"十一"黄金周马上拉开序幕，又到了一年的出行旅游旺季。意外受伤、航班延误、行李丢失……出行时的各种突发事件让人遭罪又闹心，随着旅游方式愈 发多样化，保险问题的关注度也逐步提升。如何为旅游路加一道"护身符"？9月28日，北京商报记者采访了业内人士，为即将出行的游客奉上一份"十 一"投保攻略。 北京商报记者浏览各大保险销售平台发现，保险公司针对旅游设计的保险产品中，各险种保障范围各不同，有专门为旅游景点可能发生的风险提供保障的 险种，有专门针对旅途中乘坐交通工具风险提供保障的险种，有从旅游开始至结束提供全程保险保障的险种，还有各种旅游附加保险，种类非常丰富，那 么，消费者该怎么选？业内人士表示，国内旅游，如果路程较短、不随身携带贵重物品，应该主要考虑人身安全方面的保障，保障意外身故、伤残、医疗 等。如果路程较远，需要乘坐飞机火车，可考虑投保航空意外险、火车意外险、境内旅游险等。 境外旅行险应关注救援能力 当下也有不少游客选择出境游，相较于国内游玩，在人生地不熟的国外，没有当地医疗保障，加之境外旅游涉及语言、法律法规等方面的差异，风险问题 较国内旅游更为复杂，也就更需要一份保险来为出行护航。 对于境外旅行保险购买， ...

Core Viewpoint - The insurance industry is transitioning from traditional post-event compensation to comprehensive risk management in the sports sector, driven by policy support and market demand [1][3]. Group 1: Insurance Integration in Sports - The integration of "insurance + sports" is emerging, with companies like ZhongAn Insurance providing comprehensive risk coverage for events like the "Village BA" basketball tournament in Sichuan [3][4]. - In Nepal, a comprehensive tourism insurance project has been launched, offering tiered products based on altitude, covering risks such as death, disability, and medical emergencies [3][4]. Group 2: Current Insurance Products and Consumer Awareness - Available insurance products for sports include accident insurance, high-risk sports accident insurance, and travel insurance, primarily covering risks related to accidents and medical expenses [5]. - Consumers are advised to choose insurance based on outdoor activities, frequency, and risk levels, ensuring they understand the coverage details [5]. Group 3: Challenges and Opportunities in the Insurance Market - The sports insurance market faces challenges such as limited product coverage, immature pricing models, and poor claims experiences [7]. - Despite opportunities for growth, the industry struggles with data barriers and risk assessment challenges, impacting pricing and risk management [6][8]. Group 4: Policy Support and Market Growth - Recent policies from various government departments aim to promote sports tourism and enhance insurance coverage in the sports industry [9]. - The sports consumption market in China has been growing rapidly, with an expected market size of 2.8 trillion yuan by 2025, indicating a significant opportunity for insurance products [9]. Group 5: Innovations in Insurance Products - Insurance companies are exploring innovative solutions to address the unique risks of outdoor sports, including improving response times and reducing moral hazards through technology [10][11]. - Proposed innovations include dynamic pricing based on smart device data, integrated claims processes, and embedding insurance into event management and service platforms [11].

Core Viewpoint - The article discusses the recent developments of ZhongAn Online, highlighting its stock performance, capital operations, and the impact of shareholder changes on its future growth prospects. Group 1: Stock Performance and Capital Operations - ZhongAn Online's stock price surged over 74% from May 22 to May 29, 2023, influenced by new policies regarding stablecoins in Hong Kong, with a nearly 100% increase over the past month [1] - Following the stock price increase, ZhongAn Online initiated its first new share placement since its listing, raising approximately HKD 39.24 billion, with net proceeds of HKD 38.96 billion after expenses [2][3] - The share placement diluted existing shareholders' equity, with major shareholders like Ping An and Ant Group seeing their stakes reduced [3] Group 2: Shareholder Changes and Implications - Ant Group sold approximately 33.75 million shares, reducing its stake to 7.63%, thus losing its position as the largest shareholder [4] - Other founding shareholders, such as Youfu Holdings, also engaged in significant share reductions, indicating a shift in shareholder dynamics [5] - The company emphasized that these changes would not affect its operations or partnerships, maintaining a focus on innovation in insurance technology [5] Group 3: Financial Performance and Business Strategy - ZhongAn Online has diversified its business model beyond insurance, establishing a presence in various financial sectors, including banking and consumer finance [6][8] - Despite significant investments in digital banking, ZhongAn Bank has yet to achieve profitability, with ongoing losses reported [7][10] - The company reported a net profit of HKD 4.078 billion in 2023, a significant recovery from a net loss of HKD 1.112 billion in 2022, largely due to investment gains and changes in its financial structure [8][10] Group 4: Future Outlook and Collaborations - The entry of new shareholders and the exit of major ones like Ant Group raise questions about future resource support and collaboration dynamics [11] - Despite shareholder changes, ZhongAn Online's collaboration with Ant Group remains strong, with transaction limits for 2025 increased by approximately 17% compared to 2024 [11]

Group 1 - The 9th Silk Road International Expo will feature a cultural and tourism consumption exhibition organized by the provincial culture and tourism department, consisting of four specialized exhibition areas: cultural tourism theme area, cultural performance area, intangible cultural heritage area, and sports events area [1] - The cultural tourism theme area will focus on the achievements of Shaanxi Province's key cultural tourism industry chain, showcasing rich historical and cultural resources, including county cultural tourism, tourist resorts, scenic spots, smart tourism platforms, study tours, and related financial services [1] - The cultural performance area will highlight the development of Shaanxi's artistic creation and performance industry, featuring local folk performances and tourism-related performances, including traditional operas and digital performances [1] Group 2 - The intangible cultural heritage area will center on national trend culture and intangible cultural heritage, showcasing crafts, cultural products, and traditional clothing, including Hanfu parades [1] - The sports events area will leverage Shaanxi's natural and cultural resources to display premium sports tourism projects such as marathons, mountain climbing, and cycling events [1] - The expo will also host a special promotion meeting for cultural and tourism projects, featuring performances and experiences related to traditional arts and e-sports, aiming to create an international platform for showcasing, trading, and cooperation in the cultural and tourism sectors [2]