复旦大学教授许闲：保险应以“风险共治”为民生托底

Core Insights - The insurance industry in China is transitioning from a focus on "post-incident compensation" to a comprehensive "risk management" approach, emphasizing proactive measures to reduce overall social risk costs [1][3][4] - The ultimate value of insurance lies in its ability to respond to social needs rather than merely generating profits, marking a shift towards a service-oriented model that prioritizes public welfare [3][4] Industry Evolution - The Chinese insurance sector has evolved through several stages since the 1980s, moving from Insurance 1.0 (property protection) to Insurance 2.0 (wealth management), and now to Insurance 3.0, which emphasizes risk coverage, technological integration, and service excellence [3][4] - The current transformation is driven by the need to address changing demographic and social demands, leading to the development of innovative insurance products such as agricultural and catastrophe insurance [3][4] Service Model Innovation - The "Ping An Travel Safety Guardian Plan" and "Ping An 24 Global Guardian Plan" represent new service models aimed at enhancing travel insurance by shifting from passive compensation to active risk management [6][7] - The "Ping An Travel" initiative integrates emergency rescue services, collaborating with 90 helicopter companies and 60 professional rescue teams to provide rapid response capabilities across the country [6] Global Expansion and Risk Management - The "Ping An 24" service is tailored for overseas travelers, offering comprehensive insurance coverage, medical assistance, and emergency support, reflecting the growing demand for safety in international travel [7][8] - A notable case involved the rapid evacuation of 74 individuals during the Iran-Israel conflict, showcasing the effectiveness of the "Ping An 24" service in crisis situations [8]