众安保险推出"众延保"，抢占新能源汽车延保保险市场

Core Insights - The article highlights the growing demand for extended warranty services in the Chinese electric vehicle (EV) market, driven by high repair costs after the original warranty expires [1][2] - ZhongAn Insurance has launched the "Zhongyanbao" extended warranty insurance product, targeting individual EV owners to alleviate the financial burden of repairs [1][2] Group 1: Industry Trends - In 2024, the production and sales of new energy vehicles in China are expected to exceed 12 million units, accounting for over 40% of total new car sales [1] - A significant pain point for EV owners is the high cost of core component repairs once the factory warranty period ends, leading to increased financial pressure and risk for users [1] Group 2: Product Features - "Zhongyanbao" offers two service versions: Standard and Flagship. The Standard version covers essential components like batteries and motors, starting at an annual premium of 899 yuan, with a maximum compensation equal to the new car purchase price [2] - The Flagship version expands coverage to 11 additional systems, including air conditioning and braking systems, starting at an annual premium of 2899 yuan, with a maximum compensation of twice the new car purchase price [2] - The claims process for "Zhongyanbao" is designed to be user-friendly, allowing repairs at authorized service centers without upfront costs for covered faults, ensuring a "worry-free repair" experience [2] Group 3: Technological Innovations - ZhongAn Insurance is enhancing its claims process through digital innovations, including video reporting and assessment services, which streamline the claims experience for users [3] - The average time for video claims reporting is approximately 100 seconds, with the entire process from reporting to payment potentially completed in as little as 10 minutes [3]