「出行保护」的空缺，谁来填补？

Core Viewpoint - The article emphasizes the need for a proactive safety mechanism in travel insurance, highlighting that traditional insurance models are insufficient in addressing real-time risks faced by travelers [3][4][12]. Group 1: Current Market Trends - The travel, outdoor, and extreme sports markets are rapidly growing, yet the product systems to mitigate associated risks have not kept pace [6]. - There is a disconnect between the increasing frequency and diversity of travel scenarios and the availability of protective services, such as immediate rescue and medical support [3][5]. Group 2: Limitations of Traditional Insurance - Traditional travel insurance primarily functions as a static contract that provides compensation after an incident, failing to meet the immediate safety needs of travelers [11][22]. - Many travelers prioritize immediate rescue over compensation when facing emergencies, indicating a gap in the current insurance offerings [6][8]. Group 3: New Insurance Models - The insurance industry needs to redefine its products to become dynamic safety service networks rather than just compensation mechanisms [7][24]. - The "Ping An Travel Safety Protection Plan" aims to fill the gap in comprehensive risk management by providing immediate rescue capabilities and relevant support services [12][18]. Group 4: Innovative Features of New Offerings - The "Ping An Travel" plan includes a rapid response rescue mechanism that can be activated within 15 minutes, utilizing various transportation methods for effective rescue [13][14]. - It also addresses high-risk activities by offering specialized coverage for scenarios like skiing and mountaineering, which are often excluded from traditional insurance [13][14]. Group 5: Enhancing User Experience - The new insurance model allows users to access a range of medical services during their travels, addressing common health issues that arise rather than just focusing on severe incidents [16][17]. - This approach not only provides safety but also enhances the overall travel experience, making insurance a valuable part of the journey [18][25]. Group 6: Future of Insurance - The article suggests that insurance should evolve to become a proactive buffer against risks, rather than merely a financial tool for compensation [25]. - As travel behaviors change, the demand for responsive, usable, and life-saving insurance solutions will increase, indicating a shift towards a more integrated safety infrastructure [24][25].