刷视频能领白酒、转发文案可得佣金、邀请好友注册能拿奖励……互联网创新营销的形式愈发多样，如 今这股风潮再次吹到了保险业。北京商报记者注意到，近期，通过保险推广赚"零花钱"的模式正在社交 网络中悄然蔓延。 手机上点几下，分享二维码给朋友，一旦有人投保，就能获得推广费。无需专业背景，不用资格证书， 甚至不必了解产品条款，只要拥有社交账号，就能成为保险推广链条上的一环。不过，这种"零门槛"的 推广模式，显然缺乏专业支撑和规范约束的营销，真的能保障消费者权益且能走得长远吗？ 零门槛推广 "不用考证，不用培训，只要有微信就能做，分享出去有人投保就赚钱，到账快还不耽误本职工作。"张 晓敏(化名)向北京商报记者介绍时，语气中满是对这份"副业"的认可。作为一名普通上班族，她接触到 这个推广渠道纯属偶然，三个月前，朋友发来一个二维码，告知"简单分享就能赚推广费"，抱着试试看 的心态，她成为保险推广大军中的一员。 带着对"低门槛赚快钱"模式的警觉，北京商报记者按照张晓敏的指引，点开了她发来的二维码。页面跳 转后，一个名为"可保快推"的小程序映入眼帘，没有复杂的注册流程，简单填写手机号、验证码后，记 者便获得了专属推广码——这不仅 ...

Core Viewpoint - The rise of low-threshold insurance promotion models through social networks is raising concerns about consumer protection and regulatory compliance in the insurance industry [1][7][9]. Promotion Model - The "zero-threshold" promotion model allows individuals to earn commissions by sharing insurance products via social media without needing professional qualifications or training [1][6]. - Users can quickly generate personal promotion codes and earn money when others purchase insurance through their shared links [2][4]. Compliance Issues - The insurance industry in China is heavily regulated, requiring licensed institutions and qualified personnel to conduct insurance sales, which the current promotion model violates [9][10]. - Previous attempts at similar promotion models, such as the "Insurance Master" app, faced regulatory scrutiny and penalties, indicating a pattern of compliance risks [7][9]. Market Dynamics - The promotion model is characterized by a "share-and-earn" mechanism that incentivizes users to promote products, potentially leading to misleading sales practices [10][13]. - The lack of professional knowledge among promoters may result in consumers purchasing unsuitable products, exacerbating issues of sales misrepresentation [13][14]. Company Background - The parent company of the promotion platform, Bai Ge Bao, is seeking to go public in Hong Kong, indicating ambitions for growth despite ongoing regulatory challenges [15][16]. - Bai Ge Bao's business model focuses on providing insurance transaction services and digital solutions, but its high commission payouts raise questions about its classification as an "insurance technology" company [16][18]. Financial Performance - Bai Ge Bao has shown significant revenue growth but continues to operate at a loss, highlighting the financial pressures faced during its transition from development to commercialization [18][19].

Core Insights - The insurance industry is actively participating in the "Double 11" shopping festival, utilizing diverse marketing strategies to attract consumers [1][2] - Major insurance companies are offering discounts, giveaways, and promotional guides to encourage insurance purchases during this shopping event [2][3] - The trend of significant discounts on insurance products has decreased due to stricter regulations and a shift towards rationality in the industry [4] Marketing Strategies - Insurance companies are employing various promotional tactics, including direct premium discounts, lottery draws, and shopping card giveaways [2][3] - The marketing campaigns are designed to integrate insurance into the shopping experience, making it more appealing to consumers [2][3] - Some companies are focusing on health insurance products, offering discounts on critical illness and children's medical insurance to address consumer concerns about health risks [2][3] Regulatory Environment - The insurance sector is facing stricter regulations that discourage unreasonable price competition and emphasize the core function of insurance as protection rather than a promotional commodity [4] - Companies are recognizing that relying solely on price competition is unsustainable, especially for long-term life insurance products [4] Consumer Considerations - Consumers are advised to focus on the core value of insurance, which is protection, rather than just the price [6][7] - It is essential for consumers to compare key terms such as coverage, exclusions, and renewal conditions when selecting insurance products during promotional periods [6][7] - The "Double 11" promotions can serve as an opportunity for consumers to learn about and purchase insurance, but they should prioritize their needs and carefully evaluate the terms of the products [7]

Core Insights - The insurance industry is actively participating in the upcoming "Double 11" shopping festival, employing diverse marketing strategies to attract consumers [3][4] - Insurers are offering various promotional activities, including premium discounts, giveaways, and educational content to encourage insurance purchases during the shopping frenzy [4][5] - The trend of significant discounts on insurance products has diminished due to stricter regulations and a shift towards rationality in the industry [6][7] Group 1: Marketing Strategies - Insurers are utilizing a range of promotional tactics, such as direct premium discounts, lottery draws, and shopping card giveaways, to engage consumers [4][5] - The marketing approach has become more scenario-based and entertaining, combining insurance education with incentives for consumers [5] - Major insurance companies like China Life, New China Life, and Ping An Property & Casualty are launching targeted campaigns for "Double 11" [4] Group 2: Regulatory Environment - The decline in substantial insurance discounts is attributed to increased regulatory scrutiny and a focus on the core function of insurance as protection rather than a promotional commodity [6][7] - Regulatory bodies have emphasized the importance of avoiding unreasonable low-price competition, leading insurers to seek sustainable strategies beyond price wars [7] Group 3: Consumer Considerations - Consumers can benefit from lower costs during promotional periods, but should prioritize coverage quality over price alone [8][9] - Key factors for consumers to consider include coverage scope, exclusions, premium amounts, and the insurer's service capabilities [9] - The types of discounted insurance products mainly include travel accident insurance, medical insurance, and home insurance, which typically have shorter terms and simpler clauses [9]

Core Viewpoint - The recent bankruptcies of three insurance companies do not affect the validity of existing policies, as the government has established mechanisms to protect policyholders' rights and ensure continuity of coverage [1][2]. Group 1: Company Bankruptcies - Three insurance companies have officially exited the market: - Chubb Insurance Co. was approved for dissolution, with all its insurance business and liabilities transferred to Huatai Insurance, ensuring existing policies remain valid [1]. - Yi'an Property Insurance entered bankruptcy reorganization, continuing operations during the process and later rebranded as BYD Property Insurance, maintaining policy obligations [1]. - Anbang Insurance Group announced its dissolution, with all policies assumed by the People’s Insurance Group, ensuring full payment of 1.5 trillion yuan in short-term investment insurance without any defaults [2]. Group 2: National Safety Nets - The government has established two key mechanisms to safeguard policyholder interests: - Legal mandates require that life insurance policies must be transferred to another insurer in the event of a company’s dissolution, ensuring that policy responsibilities are maintained [4]. - A guarantee fund of 243.1 billion yuan is in place to support policyholders in case of insurance company failures, providing an additional layer of security [4]. Group 3: Compensation Rules - Different insurance types have specific compensation standards: - Life insurance policies are fully guaranteed, with the insurance guarantee fund providing financial support to the acquiring company, ensuring no claims are denied due to company issues [5]. - For property insurance, personal policies under 50,000 yuan are fully compensated, while those above receive 90% compensation; for businesses, policies under 500,000 yuan are fully compensated, and those above receive 80% [5]. - Investment-type insurance, such as Anbang's, is fully compensated by the acquiring company, with no defaults reported [5]. Group 4: Practical Advice - To ensure policy safety, individuals can take the following steps: - Check the policy status through official channels to confirm the operating status of the insurance company [6]. - Focus on the solvency ratio when purchasing insurance, ensuring it meets regulatory standards [6]. - Avoid relying solely on the reputation of large companies, as all insurers are subject to the same regulatory framework [6].

Core Viewpoint - A new transformation is emerging in the field of housing safety management, with the Ministry of Housing and Urban-Rural Development advocating for the establishment of three key systems: housing inspection, housing safety management funds, and housing insurance, to provide institutional support for the safety management of housing throughout its lifecycle [1][2]. Group 1: Housing Insurance System - The housing insurance system is one of the three core systems proposed by the Ministry, aimed at managing and transferring housing risks, especially as nearly 20% of urban housing in China is over 30 years old, with projections indicating that nearly 80% will be considered "aged" by 2040 [2][7]. - Currently, there is no unified model for housing insurance in China, but it generally refers to risk protection for homes through insurance, where insurance companies compensate for losses or damages according to contract terms [2][3]. - Recent pilot programs for housing insurance have been initiated in various regions, such as Guangzhou's implementation plan for housing safety insurance and Dongguan's "Fanguanjia" comprehensive housing insurance trial [2]. Group 2: Comparison with Home Insurance - The existing home insurance primarily covers household property, including homes, against losses from incidents like fires or natural disasters, while housing insurance focuses on the structural quality risks of the house itself and damages due to aging [4][5]. - Home insurance is a purely commercial product, whereas housing insurance is expected to become a policy-oriented insurance, potentially with government subsidies for premiums [4][5]. Group 3: Challenges and Development - The development of housing insurance in China is still in its early stages, facing challenges such as limited product variety and coverage compared to mature markets abroad [3][7]. - Key challenges include the lack of a comprehensive legal framework for housing insurance, insufficient public awareness of risks associated with aging properties, and difficulties in precise pricing and risk management due to a lack of historical data [7]. - The implementation of housing insurance may require government funding or subsidies, and there is a need for increased public awareness and encouragement for insurance companies to develop more personalized housing insurance products [7].

Core Viewpoint - The new regulation on non-auto insurance business, effective from November 1, 2025, aims to address the ongoing losses in the non-auto insurance sector by implementing a "report and execute" system, similar to that of auto insurance, to enhance compliance and improve quality and efficiency in the industry [4][9][10]. Summary by Sections Implementation of "Report and Execute" System - The "report and execute" system for non-auto insurance will cover 10 types of insurance, including liability insurance and corporate property insurance, starting from November 1, 2025 [4][16]. - This regulation is expected to change the current loss-making situation in the non-auto insurance sector, which has been exacerbated by intense competition and high expense ratios [12][14]. Current Challenges in Non-Auto Insurance - The non-auto insurance sector has experienced cumulative losses of approximately 40 billion from 2020 to 2024, with 67% of the 83 insurance companies reporting losses in this segment [12][14]. - Specific types of insurance, such as liability and corporate property insurance, have faced continuous losses over the past three years [14][18]. Regulatory Adjustments - The new regulation emphasizes optimizing assessments by lowering the focus on premium growth and market share while increasing the importance of compliance and quality [21][23]. - It aims to address three major issues: low premium rates, high expenses, and the broadening of liability [5][24]. Fee Control Measures - The regulation sets upper limits on commission rates and emphasizes strict control over expenses, introducing "eight prohibitions" to prevent excessive costs [24][30]. - Non-auto insurance companies are required to adhere to fair and reasonable pricing principles to avoid high expense ratios that have contributed to ongoing losses [24][26]. Management of Premium Receivables - The regulation mandates that insurance companies issue policies and invoices only after collecting premiums, aiming to improve premium receivable management [34][35]. - Insurance intermediaries are prohibited from practices that disrupt market order, such as deferring premium payments [35][36]. Industry Self-Regulation - The insurance industry association is tasked with developing standard clauses and self-regulatory guidelines to address issues like liability broadening and low premium rates [39][40]. - The regulation also emphasizes the need for actuarial associations to establish benchmark pure risk loss rates to enhance pricing norms [39]. Monitoring and Compliance - Regulatory bodies will monitor compliance with the "report and execute" system and conduct inspections on insurance companies and intermediaries to ensure adherence to the new rules [41][42].

Core Viewpoint - The impact of Typhoon "Haikaisar" has led to nearly 300 insurance claims reported by PICC in Guangdong, Shenzhen, and Fujian, with compensation amounting to nearly 1 million yuan, prioritizing claims for auto, agricultural, and household insurance [1][2]. Group 1 - The center of Typhoon "Haikaisar" made landfall in Guangdong on September 24, prompting PICC to enter a state of readiness and implement emergency response measures for disaster relief [1]. - PICC's branches in Guangdong, Shenzhen, Hainan, Xiamen, Hunan, Jiangxi, and Jiangsu initiated cross-regional collaboration and emergency mechanisms, conducting risk assessments for nearly 8,000 clients and providing risk prevention services over 8,700 times [1]. - The company strengthened coordination with local emergency and meteorological departments, actively participating in local disaster response systems to form a comprehensive disaster prevention and relief service network [1]. Group 2 - In coastal Guangdong, multiple cities have activated a "five stoppages" emergency response (suspension of classes, work, production, transportation, and business) [2]. - PICC's Shenzhen branch utilized technology to expedite the claims process, completing the first auto insurance claim in just 8 minutes through an online damage assessment system [2]. - The company implemented "contactless" technology-driven claims services, including the use of over 1,100 water level monitoring devices for real-time flood data and smart tools for vehicle relocation alerts [2].

Group 1 - Hengbang Insurance has appointed a new chairman, Li Jin, whose qualification has been approved by the Jiangxi Financial Regulatory Bureau [3][5] - The company has been profitable for several consecutive years, but it still faces issues related to underwriting losses [1][10] - In 2024, Hengbang Insurance will undergo its first capital increase since its establishment, with changes in its shareholder structure [1][11] Group 2 - The company reported an insurance business income of 1.041 billion yuan and a net profit of 10 million yuan in the first half of the year, indicating a slight increase compared to the previous year [8] - The comprehensive cost ratio for Hengbang Insurance stands at 106.63%, indicating underwriting losses [10] - The top five insurance products by premium income for 2024 include motor insurance, liability insurance, accident insurance, corporate property insurance, and household property insurance [9] Group 3 - The company is set to increase its registered capital by approximately 303 million yuan, raising it from 2.06 billion yuan to 2.363 billion yuan [11] - After the capital increase, the largest shareholder, Jiangxi Financial Holding Group, will increase its stake from 23.52% to 33.33% [12] - The concentration of shareholding may enhance decision-making efficiency but could also reduce the influence of minority shareholders [12][13] Group 4 - Hengbang Insurance aims to expand its operations nationwide while facing challenges such as intense market competition and high costs associated with establishing branches in different regions [13] - Strategies to address these challenges include differentiated market positioning, leveraging technology to reduce costs, and enhancing cooperation with local governments and financial institutions [13]

Group 1 - The 2025 Inclusion Bund Conference was held from September 10 to 13 in Shanghai, focusing on "Reshaping Innovative Growth" [1] - ZhongAn Insurance participated for the fourth time, emphasizing the development and application of fintech and AI technologies [1] - AI is driving a significant structural transformation in the insurance industry, enhancing operational efficiency and customer experience through full-process intelligent reconstruction [1][3] Group 2 - During the conference, ZhongAn Insurance showcased various products including pet insurance, health insurance, and car insurance, while creating immersive experience spaces for collaboration [2] - The company highlighted innovative applications of "AI + Insurance" and "NFC + Insurance," including the launch of a digital pet ID series [2] - ZhongAn's car insurance features a fully online claims process through a "one-click video claims" platform, providing a seamless experience for car owners [2] Group 3 - ZhongAn has embedded AI capabilities deeply across its entire business chain, with its self-developed AI platform "ZhongYouLingXi" becoming a core engine for business transformation [3] - The AI platform has approximately 110 active machines, with a total of 450 million calls made in the first half of 2025 [3] - The company aims to continue its "Insurance + Technology" dual-engine strategy, focusing on enhancing user experience and driving high-quality development in the insurance industry [3]