互联网财险新规已落地一年。8月25日，北京商报记者通过梳理发现，目前暂停开展互联网保险业务的多家财险公司，仍难以符合开展业务要求，即暂时无 法恢复开展相关业务。仅有都邦保险在内的少数公司释放了业务重启的信号。回顾来看，去年同期，《关于加强和改进互联网财产保险业务监管有关事项的 通知》（以下简称《通知》）发布，互联网保险业务门槛提高，直接导致渤海财险、安华农险在内的10家财险公司暂停互联网新业务。 基于互联网保险市场的发展趋势和机遇，相关财险公司停止开展互联网保险业务，或对自身业务带来哪些冲击？对于部分暂停开展互联网保险业务的财险公 司而言，业务至今仍无法重启，背后可能存在哪些难点？ 上海对外经贸大学保险系专家朱少杰表示，能够恢复开展互联网保险业务的公司，说明它们经过过渡期内整改，在偿付能力充足率、风险综合评级、信息管 理系统及其网络安全防护等级等方面，满足了监管部门设定的经营要求。 对于业务重启的深层意义，在北京联合大学商务学院金融系教师杨泽云看来，首先，业务重启表明公司的偿付能力有了质的提升，极大地恢复客户的信心和 信任。其次，表明公司经营管理者具有较强适应监管的敏捷性，这在当前严监管的背景下，对公司发展极 ...

Core Viewpoint - The rapid digitalization of the insurance industry is leading to increased integration of internet insurance into everyday life, but this convenience is accompanied by risks as some platforms exploit technology to evade risk disclosures, undermining consumer trust and disrupting industry norms [1][2]. Group 1: Regulatory Environment - Regulatory authorities have issued multiple normative documents regarding internet insurance, establishing standards for information disclosure, sales processes, and product management [1]. - Despite these regulations, some internet platforms prioritize traffic and profit, using the guise of "technological neutrality" to evade their responsibilities for review and management, resulting in frequent marketing irregularities [1][2]. Group 2: Responsibilities of Internet Platforms - Internet platforms should not merely act as sales channels but must assume direct and specific gatekeeping responsibilities, ensuring compliance in product display and sales processes [2]. - Platforms must be held accountable as the "first responsible person" for the products they promote, rather than claiming to be just a channel to avoid regulation [2]. Group 3: Role of Insurance Companies - Insurance companies need to recognize their role in platform collaborations and should not irresponsibly approve products just to capture traffic, compromising product review and compliance [2]. - Clarity of contracts, transparency of terms, and user understanding should be integral to product design and evaluation mechanisms, ensuring that products serve their intended purpose [2]. Group 4: Trust and Transparency - The foundation of insurance is trust, and the application of technology must facilitate information transparency and fair transactions, rather than mislead consumers [2]. - To ensure that internet insurance is comprehensible and accountable, it requires the conscious effort of platforms, self-discipline from companies, and robust regulatory frameworks [2].

8月4日，众安在线(06060)盘中下跌3.61%，截至10:09，报17.91元/股，成交3.02亿元。 众安在线财产保险股份有限公司是中国首家互联网保险公司，主要通过互联网进行业务，专注于应用新 技术重塑保险价值链，提供个性化、定制化、智能化的新保险。2020年，众安服务约5.24亿用户，出具 约79.49亿张保单，并通过其全资子公司众安科技，将经过业务验证的科技对外输出，与全球444家客户 签约。 8月20日，众安在线将披露2025财年中报。 本文源自：金融界 作者：行情君 截至2024年年报，众安在线营业总收入35.35亿元、净利润6.03亿元。 ...

Core Insights - The rise of internet insurance is attributed to its convenience, allowing consumers to complete the entire process from purchasing to claims online, but issues such as "easy to purchase, difficult to claim" have been reported by some consumers [1] Group 1: Product Issues - The evaluation revealed that product names can be misleading, such as the "Personal Million Comprehensive Accident Insurance," which implies a coverage of up to one million but actually offers only 100,000 for accidental death or disability and 10,000 for medical compensation [2] - There is a discrepancy between the actual coverage and the promotional claims, with some products highlighting benefits like "no health status restrictions" while failing to deliver on these promises [3] Group 2: Information Disclosure - The assessment found that many internet insurance products lack comprehensive information disclosure, leading to a mismatch between marketing claims and actual benefits [3] - The evaluation involved 10 major internet insurance sales platforms and 35 insurance companies, covering a total of 150 insurance products, including 80 medical insurance, 30 critical illness insurance, and 40 accident insurance products [3]

随着我国手机上网用户和在线支付用户规模分别突破1 0亿大关，互 联网保险的消费者已经成为我国保险市场的中坚力量。他们是什么 样子的？选择哪些保险？有哪些需求和偏好？中国保险行业，尤其 是互联网保险行业将因此发生哪些改变？5月2 8日发布的《2 0 2 4年 中国互联网保险消费者洞察报告》（以下简称《报告》）给了我们 答案。 《报告》由元保集团（以下简称"元保"）携手清华大学五道口金融学院中国保险与养老金融研究 中心（以下简称"清华五道口保险中心"）联合编撰，中国保险学会担任学术指导单位。 原中国保险监督管理委员会副主席周延礼 在《报告》中指出，近年来，在推动多层次社会保障体 系构建的过程中，保险业承担着风险转移、资源配置和民生保障三重职能，其中互联网保险凭借 技术驱动与服务模式变革正在发挥着越来越重要的作用。 中国保险学会党委书记、会长董波 对《报告》给予高度评价，他表示《报告》深入剖析了互联网 消费者的特性，全面探讨了其需求、痛点与购买行为，还对行业趋势展开了细致的研究，通过这 些分析，报告精准地洞察消费者需求，为推动互联网保险行业高质量发展，从容应对新一轮产业 革新提供了来自消费者需求层面的建议和参考。 ...

Core Insights - The "2024 China Internet Insurance Consumer Insight Report" indicates that the internet insurance innovation ecosystem is rapidly forming, driven by technological empowerment and digitalization of consumer scenarios, with a prediction that internet insurance will exceed 1 trillion yuan in the next five years [1][2] Group 1: Market Trends - China maintains its position as the second-largest insurance market globally, with a significant increase in consumer insurance awareness and spending, leading to a shift from basic coverage to refined protection and wealth management [1][2] - 60% of consumers plan to upgrade their insurance coverage based on existing products, indicating a trend towards enhanced protection [2] Group 2: Regulatory Environment - Recent regulatory guidelines have clarified the functional positioning and development direction of internet insurance, providing a solid institutional guarantee for the industry's healthy development [2] - The establishment of a specialized regulatory framework for internet insurance is emphasized, focusing on dynamic filing, product classification, and algorithm registration to enhance transparency and protect consumer rights [3] Group 3: Technological Integration - The report highlights the increasing use and acceptance of smart claims, intelligent customer service, and smart insurance recommendations among consumers, reflecting the industry's embrace of digital transformation [1] - The need for unified technical standards and evaluation criteria in areas such as smart underwriting and data sharing is stressed to improve industry credibility and consumer protection [3]

Core Viewpoint - The insurance industry in China is increasingly playing a vital role in the modernization of the national governance system, driven by the integration of digital and intelligent technologies in internet insurance, which is fostering significant advancements in product design, service models, and risk management [1][4]. Group 1: Internet Insurance Growth - The online insurance purchase rate in 2024 has risen to 78% from 73% in 2023, while offline purchase rates have decreased from 85% to 79% [2]. - The rapid growth of online insurance is attributed to the development of digital consumption habits and the transformative impact of AI technology on consumer experiences throughout the insurance purchasing process [2][3]. Group 2: Consumer Insights - In the pre-purchase phase, nearly 10% of consumers are using AI models to gather insurance information; during the purchase phase, 40% are utilizing personalized insurance recommendation tools; and 36% have experienced the convenience of intelligent claims tools, leading to an overall claims satisfaction rate exceeding 95% for the first time in 2024 [3]. - The demand for inclusive insurance is being increasingly met online, with rising online purchase rates across various demographics, indicating a broadening of the consumer base for internet insurance [4][5]. Group 3: Regulatory Support and Market Dynamics - Recent policy documents have reinforced the regulatory framework for the insurance industry, promoting the healthy development of internet insurance and its role in enhancing social security and supporting the real economy [4][6]. - The acceptance of internet insurance intermediaries among younger consumers has surged, reflecting a shift in consumer behavior and a potential reshaping of the competitive landscape within the industry [6]. Group 4: Future Outlook - The insurance industry is expected to experience new opportunities for growth as it embraces technological advancements, particularly in health insurance, aligning with national strategies such as "Digital China" and "Healthy China" [7].

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]

本报讯 （记者苏向杲 见习记者杨笑寒）2025年5月28日，《2024年中国互联网保险消费者洞察报告》（以下简称《报 告》）发布。《报告》由元保集团与清华大学五道口金融学院中国保险与养老金融研究中心联合编撰，中国保险学会担任学术 指导单位。原中国保险监督管理委员会副主席周延礼，中国保险学会党委书记、会长董波和元保集团创始人兼CEO方锐等嘉宾 与会并致辞。 《报告》显示，互联网保险逐渐成为主流，核心人群不断扩大，普惠化趋势明显，保险消费更加理性，需求日益多元和升 级。 在购险渠道方面，《报告》显示，2024年消费者的线上购险率比肩线下，未来两年，线上购险率有望超过线下；近年来， 各年龄段、各城市等级、各收入群体的线上购险率均持续上升，互联网保险在各类群体中持续渗透。同时，与2023年相比，互 联网保险中介渠道的购险率显著提升，已跻身线上第二大购险渠道。 在购险花费方面，《报告》显示，超六成消费者明确表示2024年增加了家庭年保费支出，消费者越年轻、家庭收入越高， 越倾向于增加保费支出。2024年，近六成消费者的家庭年保费支出超过8000元，较2023年实现显著提升。 元保集团创始人兼CEO方锐表示，《报告》通过 ...

Group 1 - The article highlights the diverse roles and skills acquired by the journalist, transitioning from a financial reporter to a multifaceted researcher and content creator in the digital finance sector [2][3] - The journalist has produced 15 research reports in the digital finance field over seven years, starting from a focus on internet finance supervision and evolving into broader industry insights [3][6] - The journalist emphasizes the importance of continuous learning and adaptation in the rapidly changing financial and technological landscape, engaging in various research topics including aging, digital life, and artificial intelligence [8][9] Group 2 - The journalist's work includes in-depth investigations into illegal practices in the financial sector, contributing to significant reports that have been referenced by peers and industry professionals [5][6] - The journalist has also ventured into video content creation, launching several short video series aimed at educating the public on financial topics and industry trends, showcasing a blend of serious journalism with creative outreach [9][10] - The upcoming video series "AI又整啥?" aims to address AI risks and trends in an engaging manner, reflecting the industry's shift towards integrating technology in content delivery [10][11]