宠物险如何走向“共赢”

Core Viewpoint - The pet insurance market is experiencing rapid growth, with premiums expected to exceed 3 billion yuan by 2025, driven by the increasing emotional value placed on pets as family members [1][2]. Group 1: Market Growth and Challenges - The pet insurance premium scale is projected to grow from millions to over 1.7 billion yuan from 2020 to 2024, making it one of the fastest-growing segments in the property insurance industry [1]. - Despite the growth, pet owners express dissatisfaction with claims processes, coverage limitations, and overall insurance experience, while insurance companies face high payout rates and cost control challenges [1][2]. - The lack of standardized medical practices and transparent pricing in the domestic pet medical industry leads to significant cost discrepancies and complicates risk management for insurance companies [2]. Group 2: Recommendations for Improvement - Establishing standardized pet medical practices and data sharing is crucial, including the creation of disease classification standards and treatment guidelines to regulate pet hospitals [4]. - Insurance companies should enhance their risk management capabilities by leveraging technology such as AI, big data, and blockchain to address issues like multiple pet insurance and pre-existing conditions [4]. - Building a multi-party trust mechanism is essential, which includes simplifying claims processes and improving transparency in service delivery to foster long-term relationships with pet owners [4]. Group 3: Future Outlook - The future of pet insurance should not merely extend existing products but should serve as a critical link within the "it economy," connecting medical services, customer service, and insurance protection [5][6].