最高返现60%！惠民保年末销售乱象调查：业务员“贴钱”冲考核，谁在“赔本赚吆喝”？

Core Viewpoint - The article highlights the alarming trend of insurance agents offering cash rebates to attract customers for the "Hui Min Bao" insurance product, which has shifted from a widely sought-after affordable insurance option to one reliant on rebates due to intense market competition and operational pressures [2][6][9]. Group 1: Current Market Dynamics - The "Hui Min Bao" insurance product is experiencing a sales surge, with agents promoting cash rebates as high as 60% to meet sales targets, leading to a situation where agents are financially subsidizing customer purchases [3][5][6]. - The competitive landscape among insurance companies has intensified, resulting in a "rebate competition" that disrupts market order and places financial strain on the "Hui Min Bao" product, which is already operating on thin margins [9][11]. - The operational adjustments, such as the shift from city-level to provincial-level offerings, have concentrated competition among insurers, further complicating the market dynamics [11][12]. Group 2: Challenges and Risks - The low entry barrier of "Hui Min Bao" allows individuals with pre-existing conditions to enroll, but this has led to a deteriorating risk pool, with healthier individuals opting out, thereby increasing operational costs for insurers [12][14]. - The rising claims ratio, with some products exceeding 188.76% in 2023, has created a vicious cycle of increasing premiums, which further drives away healthy participants, threatening the sustainability of the product [14][17]. - The reliance on cash rebates has raised concerns about potential legal and operational risks, including the possibility of policy lapses and fraudulent activities, as agents may engage in unethical practices to secure sales [22][23]. Group 3: Strategic Recommendations - To ensure the sustainable development of "Hui Min Bao," companies need to focus on a balanced distribution of benefits, moving away from rebate-driven sales to a value-driven approach that emphasizes product viability [24][26]. - Companies should implement dynamic pricing mechanisms and enhance collaboration with healthcare providers to improve claims processing and risk management, thereby increasing operational efficiency [26][27]. - Building a comprehensive ecosystem that integrates health management services with insurance offerings can help shift the focus from reactive claims to proactive health interventions, fostering customer loyalty and reducing claims costs [26][27].