Core Viewpoint - The article discusses the transformation of travel insurance from a traditional compensation model to a proactive risk management approach, addressing the evolving needs of modern travelers who seek adventure while fearing the associated risks [1][19]. Group 1: Travel Philosophy Shift - There is a shift in travel philosophy where individuals desire authentic experiences in nature rather than luxurious comforts, leading to a psychological conflict between the desire for adventure and the fear of danger [1]. - The traditional travel insurance model is inadequate in addressing this new demand, necessitating a reevaluation of the insurance industry's role [1]. Group 2: Hard Power - Rescue Capabilities - The first pillar of the upgraded travel insurance is robust physical rescue capabilities, ensuring timely intervention in emergencies [4]. - Companies like Ping An Insurance have begun to integrate professional rescue services into their offerings, making them accessible to a broader audience [4][6]. - The "Ping An Travel Safety Guardian Plan" exemplifies this shift by providing rapid rescue services and comprehensive support, transforming the insurance company into a resource integrator rather than just a financial backer [6]. Group 3: Soft Power - Preemptive Risk Management - The second layer of transformation involves proactive risk management, where insurance companies take on the responsibility of monitoring potential risks for travelers [8][9]. - The "Ping An Travel Safety Guardian Plan" aims to convert potential risks into actionable information, providing timely alerts and support to enhance the travel experience [9][10]. Group 4: Redefining Claims and Coverage - The article highlights the need for a redefined claims process that aligns with modern travel activities, addressing gaps in traditional insurance coverage for high-risk activities [10][12]. - The plan offers customizable coverage options for risks like altitude sickness and skiing injuries, ensuring clarity in what is covered [10][12]. Group 5: User Experience and Trust - The new insurance model emphasizes a seamless user experience, reducing friction in claims processing and enhancing customer support during emergencies [16][15]. - By utilizing technology for efficient claims handling and providing comprehensive support services, the insurance industry aims to rebuild trust with consumers [12][15]. Group 6: Conclusion and Future Implications - The evolution of travel insurance represents a commercial response to the emotional needs of modern explorers, allowing them to embrace uncertainty with confidence [18][19]. - The core promise of this new insurance model is to support adventurous individuals while managing risks effectively, creating a solid foundation for exploration in today's world [19].