Group 1 - The core focus of the news is on the increasing attention towards "student safety insurance" (学平险) among parents as the school season approaches, highlighting its significance as a primary insurance choice for families with school-aged children [1][2] - Data from Ant Financial indicates that over the past three years, searches for "student safety insurance" have consistently increased by approximately 50% during the back-to-school season, demonstrating a notable seasonal demand for insurance [1][2] - The insurance market is experiencing heightened competition, with many companies engaging in price competition and channel collaboration to capture market share, leading to a high degree of product homogeneity [2][3] Group 2 - The shift in market dynamics is moving from price competition to a focus on service experience, coverage scope, and claims efficiency, driven by increased consumer awareness and regulatory guidance [3] - It is emphasized that "student safety insurance" is not a comprehensive insurance product, primarily covering accidental injuries, medical expenses due to accidents, and some hospitalization for illnesses, thus necessitating a combination of other insurance products for broader coverage [4] - Parents are advised to pay close attention to the health disclosure process and ensure accurate and complete information when purchasing "student safety insurance" to avoid complications during claims [5]