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昆仑健康保险发布2025金融宣传周典型案例 以“适当性”原则助力家庭保障精准配置
Bei Jing Shang Bao· 2025-09-19 05:07
Core Insights - Kunlun Health Insurance actively responds to the theme of "Protecting Financial Rights and Supporting a Better Life" during the 2025 Financial Education Promotion Week by releasing case studies and promoting financial consumer knowledge [1][2] - The company emphasizes the importance of the "suitability" principle in insurance configuration, using a real case of a new mother who faced policy mismatches as a reference for families [1] Summary by Sections Case Analysis - The case of Ms. Liu (pseudonym) illustrates the consequences of purchasing an education fund product that exceeded her budget, leading to insufficient health coverage and increased financial pressure [1] - Kunlun Health Insurance highlights the need for insurance products to follow the principles of "demand matching and affordability" [1] Professional Insights - Insurance configuration should prioritize adequate health coverage before considering savings products based on long-term financial conditions [1] - The company encourages consumers to evaluate their insurance behavior from three dimensions: product suitability, channel suitability, and customer suitability to avoid irrational decisions influenced by personal relationships or non-professional opinions [1] Practical Recommendations - Kunlun Health Insurance provides four practical suggestions for consumers to strengthen their risk defenses: accurately analyze personal needs, actively cooperate with financial institutions for risk assessment, carefully select sales channels, and thoroughly read insurance terms [2] - The company aims to transform abstract principles into actionable advice for consumers, demonstrating its responsibility in consumer education [2]