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关注性价比,线上购买比肩线下…保险消费行为有变化
券商中国· 2025-06-03 10:23
Core Viewpoint - The article emphasizes the significant changes in insurance consumer behavior, highlighting the increasing insurance awareness and the shift towards more rational purchasing decisions driven by a focus on cost-effectiveness and personalized solutions [2][4]. Group 1: Consumer Awareness and Behavior - The "2024 China Internet Insurance Consumer Insight Report" indicates a notable rise in consumer insurance awareness, with nearly 60% of families spending over 8,000 yuan annually on premiums, reflecting a significant increase from 2023 [3]. - The primary concern for consumers has shifted from "difficulties in claims" to "difficulty in product selection," with 63% of consumers expressing challenges in choosing suitable insurance products due to the growing variety available [3]. - Approximately 70% of consumers are willing to pay for professional insurance consulting services, indicating a trend towards seeking personalized and precise coverage solutions [4]. Group 2: Upgrading Insurance Consumption - In 2024, 60% of consumers are opting to upgrade their existing insurance products rather than purchasing new ones, demonstrating a focus on enhancing current coverage to meet evolving risk and wealth management needs [5]. - About 57% of consumers are using insurance for wealth management, positioning it as the second-largest wealth management tool after bank products, reflecting a shift towards a dual function of insurance as both risk management and wealth accumulation [5]. Group 3: Price Sensitivity and Online Trends - 57% of consumers prioritize cost-effectiveness when purchasing insurance, with 48% of those willing to pay higher premiums focusing more on the type of coverage rather than brand or service [6]. - The online insurance purchase rate among consumers aged 60 and above has surged from 26% to 66%, indicating a significant increase in online engagement among older demographics [6]. - The online purchase rate for insurance is now nearly equal to offline rates, with 78% of consumers opting for online purchases in 2024, suggesting a potential future dominance of online channels [8]. Group 4: Rise of Internet Insurance Intermediaries - The acceptance of internet insurance intermediaries among younger consumers has rapidly increased, with their purchase rate rising from 24% to 44%, marking a significant shift in consumer preferences [12]. - The internet insurance market is projected to exceed one trillion yuan in the next five years, driven by technological innovation and evolving consumer demands, positioning it as a key growth engine for the insurance industry [12].
线上首度比肩线下、保险成财富管理“榜眼” 过去一年保险业发生了哪些变化?
Core Insights - The report indicates that the online insurance purchase rate has reached parity with offline channels for the first time, marking a significant shift in the Chinese insurance market [1][2] - The insurance market is expected to grow robustly, with online insurance projected to become a key growth engine, driven by increasing consumer awareness and a shift towards more sophisticated insurance configurations [1][2] Market Trends - In the first seven months of 2024, the cumulative premium for online insurance reached 366.3 billion yuan, reflecting a 15% increase compared to the same period in 2023 [2] - The report forecasts an annual growth rate of 15%-20% for online insurance over the next five years, with total premiums expected to exceed 1 trillion yuan [2] Consumer Behavior - The online purchase rate for insurance increased from 73% in 2023 to 78% in 2024, while the offline purchase rate decreased from 85% to 79% [2][3] - The online insurance intermediary channel saw a significant rise, with its purchase rate increasing from 24% in 2023 to 44% in 2024, making it the second-largest online purchase channel [3] Technological Impact - AI technology is reshaping consumer insurance purchasing experiences, with nearly 10% of consumers using AI tools for information gathering, 40% using personalized recommendation tools, and 36% utilizing smart claims tools [4] - The overall claims satisfaction rate has surpassed 95% for the first time in 2024, indicating improved consumer experiences [4] Wealth Management Role - Approximately 57% of consumers are using insurance for wealth management, positioning it as the second-largest wealth management method after bank wealth management [6] - The trend shows a shift from basic protection to refined insurance configurations, with 60% of consumers opting to upgrade their existing insurance products [6] Policy and Regulatory Environment - The regulatory framework for online property insurance is being strengthened, with new guidelines issued to ensure orderly market development [2][7] - The government emphasizes the importance of insurance in meeting the growing demand for protection and wealth management, highlighting its role in family security and wealth transfer [7]