Core Insights - The insurance industry in China is transitioning from a "post-compensation" model to a "full-process risk management" approach, emphasizing proactive risk management and reducing overall social risk costs [1][2][7] - China Ping An has introduced innovative insurance products, "Ping An Travel Safety Guardian Plan" and "Ping An 24 Global Guardian Plan," aimed at creating a comprehensive safety system and transforming insurance services from passive compensation to active risk management [1][5][7] Group 1: Industry Evolution - The insurance industry in China has evolved through several stages since the 1980s, moving from protecting property for the wealthy (Insurance 1.0) to becoming a wealth management tool (Insurance 2.0), and now to a focus on risk management and social value creation (Insurance 3.0) [2] - The ultimate value of the insurance industry lies in its ability to respond to social needs rather than merely focusing on scale or profit [2] Group 2: Product Innovations - "Ping An Travel Safety Guardian Plan" offers a comprehensive service system that includes prevention, rescue, compensation, and usage, aiming to reduce risks from the outset and provide timely assistance [3][4] - "Ping An 24 Global Guardian Plan" provides a one-stop service for overseas travelers, covering pre-travel, during travel, and post-incident support, with a focus on proactive risk management [5][6] Group 3: Performance Metrics - As of this year, "Ping An Travel" has served 42.9 million customers, processed over 3,500 claims, and provided more than 400 rescue services [4] - "Ping An 24" has successfully handled 426 overseas emergency rescue tasks in 2024, achieving zero complaints and serving over 6000 enterprises and 650,000 customers, with total compensation exceeding 220 million yuan [6]

在于回应社会需求" 许闲 在本次"平安大讲堂"上，许闲指出，我国保险行业自1980年代开始系统化发展，经历了多个阶段。保险 1.0时代是"为有产者保财产"，保险2.0时代逐渐演化成为财富管理工具，迈入保险3.0时代，保险更偏重 于保障归位、普惠覆盖、技术驱动和服务取胜。 保险不仅是金融产品，更是国家与人民之间的风险共治契约。随着我国人口红利消退、民生需求升级， 这些变化正倒逼保险业的价值重构。国家政策引导保险业通过事前降低出险概率、事中避免损失扩大、 事后完成快速赔付，从"损失补偿"向"风险防控"转型。中国保险机构需以国家战略为锚点，聚焦人民需 求开发本土化产品，打造服务民生的"托举之手"。 "从'赌客户不出险'到'帮客户少出险'，背后是开创新时代中国特色的服务型保险。"10月27日，"平安大 讲堂·'防救赔用'保险新范式"在深圳举行，复旦大学经济学院副院长、风险管理与保险学系主任许闲如 是表示。现场，业界围绕保险业如何从"事后赔付"向"全流程风险管理"转型展开深度探讨。 在许闲看来，保险的最终价值在于切实回应社会需求。随着我国保险业从"规模扩张"迈向"质量提升"， 保险发展更偏重保障归位、风险共治，不再是单 ...

Core Insights - The insurance industry in China is transitioning from a "post-event compensation" model to a "full-process risk management" approach, emphasizing proactive risk management and comprehensive service [1][2][6] - China Ping An has launched innovative insurance products, "Ping An Travel Safety Guardian Plan" and "Ping An 24 Global Guardian Plan," aimed at transforming insurance services from passive compensation to active risk management [1][5][6] Group 1: Industry Evolution - The insurance industry has evolved through several stages since the 1980s, moving from protecting property to wealth management, and now to a focus on risk management and social value creation [2] - The ultimate value of the insurance industry lies in its ability to meet social needs rather than merely focusing on scale or profit [2] Group 2: Product Innovations - "Ping An Travel" constructs a comprehensive service system covering prevention, rescue, compensation, and utilization, aiming to reduce risks from the outset [3][4] - "Ping An 24" offers a one-stop service for overseas travelers, including insurance coverage, medical rescue, and emergency assistance, with a focus on proactive risk management [5] Group 3: Performance Metrics - "Ping An Travel" has served 42.9 million customers and processed over 3,500 claims, showcasing its effective response mechanisms and resource integration [4] - "Ping An 24" has handled 426 overseas emergency rescue tasks with zero complaints, serving over 60,000 enterprises and 650,000 customers, with total compensation exceeding 220 million yuan [5]

Core Insights - Ping An Property & Casualty Insurance has launched a thematic campaign "Safe Journey to Reunion" in collaboration with Autohome to enhance safety and convenience for families during the Spring Festival [1][3] Group 1: Insurance Products and Services - The campaign features a range of insurance products covering various scenarios such as vehicle maintenance, home life, pet care, and overseas travel [3] - New products include "New Year Home Insurance" which covers common property loss risks and offers value-added services like laundry pickup and delivery [4] - The "Ping An 24" global protection plan provides coverage for overseas travelers, including emergency assistance and medical rescue services [4] Group 2: Promotions and Discounts - The campaign includes a "New Year Goods Festival" offering discounts on essential items and services through the Ping An Good Car Owner App [3] - Consumers can receive additional car purchase discounts, with potential savings of up to 3,700 yuan and additional gifts when purchasing through Autohome [3] Group 3: Safety and Support Services - The company has been conducting a Spring Festival safety campaign for 15 consecutive years, providing online and offline support services such as accident assistance and safety checks [5] - The Ping An Good Car Owner App offers safety inspection services covering nine major areas and 60 sub-items to identify vehicle issues [6] - Offline support points are established at major roadways and highway entrances to assist travelers with various services, ensuring a smooth journey [5][6]