“95后”线上购保险率首超“85后”

Core Insights - The report indicates a significant growth in internet insurance in China, driven by an increase in mobile internet users and online payment users, with mobile internet users reaching 1.105 billion and online payment users at 1.029 billion by the end of 2024 [1] Group 1: Consumer Behavior and Trends - In 2024, nearly 60% of households are expected to spend over 8,000 yuan annually on insurance, marking a nearly 10 percentage point increase from 2023 [2] - 76% of consumers plan to adjust their insurance configurations and increase their premium budgets in the next two years, reflecting a growing awareness and willingness to invest in family protection [2] - The online insurance purchase rate among consumers is projected to reach 78%, nearly equal to the offline rate of 79%, with expectations for online purchases to surpass offline in the coming years [1] Group 2: Insurance Product Preferences - In 2024, 60% of consumers opted to upgrade their existing insurance products, while 38% chose to purchase new insurance, and 41% decided to switch insurance providers [3] - Critical illness insurance is expected to see the highest upgrade rate among insurance products, with nearly 30% of holders choosing to enhance their coverage [4] - 57% of consumers are using insurance for wealth management, making it the second most favored method after bank financial products [4] Group 3: Demographic Insights - The "post-95" generation shows a high online insurance purchase rate of 84%, surpassing the "post-85" generation, attributed to their familiarity with the internet and emphasis on family protection [5][6] - Concerns about mental health and daily accidents are prevalent among the "post-95" demographic, with 51% worried about daily accidents and 46% about mental health issues [6] - Nearly 70% of "post-95" consumers actively purchase insurance for their parents, indicating a strong sense of family responsibility and risk awareness [6] Group 4: Consumer Challenges - The primary concern for consumers in 2024 is "difficulty in product selection," with 63% expressing challenges in choosing suitable insurance products due to the overwhelming number of options available [7] - Approximately 70% of consumers are considering paying for professional insurance consultation services, highlighting a growing awareness of the need for expert guidance [7] Group 5: Technology and AI in Insurance - 10% of consumers utilize AI tools to gather insurance information, while 40% use AI-driven personalized recommendations to aid in decision-making [8] - Satisfaction with online claims processing has exceeded 95%, with speed of payment and efficiency of review being key factors in this satisfaction [8] - Over half of consumers expect AI to play a significant role in various aspects of insurance, including rapid claims processing, insurance consultation, and simplifying the purchasing process [8]