上海保险交易所有关负责人说，财险公司依照市场化法治化原则，自愿参与高赔付风险分担机制接入平 台。"不得通过'玻璃门'制造障碍变相拒保。"这位负责人说。 如何保障"车险好投保"平台平稳有序运行？中国保险行业协会有关负责人说，在参与机制上，平台不对 保险中介机构和保险公司的销售渠道开放，确保由客户自主选择保险公司及产品类型；在市场秩序上， 强化车险"报行合一"监管政策落实，加强日常管控，杜绝出现捆绑销售、虚假宣传、虚假理赔等扰乱市 场和损害消费者权益等问题。中国保险行业协会将对"车险好投保"平台运行过程进行自律监督，对发现 的问题进行严肃通报。 据了解，有10家大中型财险公司首批接入平台，包括人保财险、平安财险、太保财险、国寿财险等。第 二批22家公司于2月28日接入平台，包括紫金财险、大家财险、鼎和财险及比亚迪财险等。新能源汽车 客户投保完成后，由出单的保险公司提供承保理赔服务。 "有了这个平台，不愁上不了车险，可以安心选购心仪的小众车型。"近期有购车计划的河南郑州市民侯 先生说。此外，有消费者表示，通过该平台投保，有效避免了"捆绑销售"等情况，降低了新能源汽车投 保成本。 也有消费者表示，在平台上选择一家公司 ...

Core Insights - The article highlights the advancements in agricultural insurance, particularly in addressing the traditional challenges faced by herders in the Qinghai-Tibet Plateau region, through innovative risk reduction services and product development [1] Group 1: Improvement of Risk Reduction Services - The introduction of a precise feeding system in Hongyuan County has mitigated the traditional "winter thin, spring dead" issue for yaks, thanks to collaboration between local government and insurance companies [1] - The premium subsidy for yak insurance has been raised to 80%, allowing herders to pay only 20% of the premium, which has led to significant insurance uptake and compensation payouts [2] - The regulatory body encourages insurance companies to enhance disaster warning and risk reduction services, emphasizing the importance of establishing standardized risk reduction service systems in agriculture [2] Group 2: Development of Floating Yield Insurance - The introduction of floating yield insurance products, such as dividend insurance, is gaining traction among consumers, with a notable shift towards long-term holdings [3] - In the first two months of the year, dividend insurance accounted for 98.9% of individual insurance channel sales and 88.6% of bank insurance channel sales, indicating a significant product structure transformation [3] - Major life insurance companies have reported substantial increases in new single premium ratios for dividend insurance, with China Life and Taiping Life achieving 51.7% and 18.2% respectively [3] Group 3: Addressing Challenges in New Energy Vehicle Insurance - The high claim rates for new energy vehicles have led to difficulties in obtaining commercial insurance, prompting regulatory bodies to issue guidelines for establishing a high compensation risk-sharing mechanism [4] - The "Car Insurance Easy to Insure" platform has been launched to facilitate the implementation of this risk-sharing mechanism, successfully covering over 50,000 new energy vehicles and providing insurance protection worth approximately 494.81 billion [4] - Future optimizations in pricing rules will allow insurance companies greater flexibility in pricing, encouraging comprehensive coverage for new energy vehicles while promoting detailed risk classification [5]