数智化赋能互联网保险“线上突围”，消费者决策更加理性

Core Insights - The report indicates that internet insurance consumers have become a significant force in China's insurance market, with over 1 billion mobile internet and online payment users driving this trend [1][3][4]. Group 1: Consumer Behavior and Trends - The 2024 report shows that the online insurance purchase rate has increased from 73% in 2023 to 78% in 2024, while the offline purchase rate has decreased from 85% to 79% [5]. - The report highlights a significant rise in the use of internet insurance intermediary channels, with their purchase rate increasing from 24% in 2023 to 44% in 2024 [9]. - Nearly 60% of consumers plan to increase their annual insurance premium spending in 2024, with many already spending over 8,000 yuan [15][19]. Group 2: Product and Service Evolution - Consumers are increasingly viewing insurance as a dual-purpose tool for both protection and wealth management, with 57% using insurance for wealth management, making it the second-largest method after bank wealth management [19][22]. - The report indicates that 60% of consumers are opting to upgrade their existing insurance products, reflecting a shift towards more comprehensive coverage [19]. - The rise of AI technology is reshaping the insurance purchasing experience, with 40% of consumers using personalized recommendation tools during the decision-making process [14][15]. Group 3: Market Outlook and Regulatory Environment - The Chinese insurance industry is projected to see a stable growth rate of 15%-20% annually over the next five years, with total premiums expected to exceed 1 trillion yuan [27][28]. - The regulatory framework for internet property insurance is being strengthened, which is anticipated to facilitate rapid and orderly market development [27]. - The overall insurance premium income for the industry reached 5.7 trillion yuan in 2024, with a year-on-year growth of 5.7% [24].