如何打通消费者认可 “最后一公里”？

Core Viewpoint - The article emphasizes the transformation of home property insurance from a "low-frequency high-loss" disaster compensation model to a "high-frequency low-loss" risk reduction service, positioning it as a crucial element in building resilient cities [1]. Group 1: Market Demand and Policy Support - The demand for home property insurance is rising due to increased awareness of household asset protection needs and frequent extreme weather events, creating a gap in family asset security [2][3]. - Recent policy initiatives have accelerated the development of inclusive home property insurance, with multiple new products launched in 2023, such as "惠家保" in various cities [2][3]. Group 2: Product Features and Innovations - Inclusive home property insurance products are characterized by low premiums and high coverage, with annual premiums ranging from tens to hundreds of yuan and coverage often exceeding one million yuan [2][3]. - The "惠家保" product in Shenzhen, for example, has a minimum annual premium of 58 yuan and provides coverage of up to 1.8 million yuan, demonstrating the affordability and comprehensive nature of these products [3]. Group 3: Service Enhancements and Integration - Inclusive home property insurance is innovating by integrating high-frequency services such as risk prevention, daily maintenance, and health management into their offerings, enhancing the overall value proposition [5][6]. - The "沪家保" product has created risk maps and disaster warning systems, showcasing the integration of insurance services with urban governance [5][6]. Group 4: Challenges and Optimization Needs - Despite the potential, inclusive home property insurance is still in its early stages, facing challenges such as a lack of unified data for risk assessment and low consumer awareness [7][8]. - To transition to a high-frequency service model, the industry needs to enhance channel construction, product innovation, and ecological collaboration, focusing on expanding product reach and improving consumer education [7][8][9].