继车险、人身险之后，非车险"报行合一"政策已于11月1日正式落地。这一政策的实施，将对整个 行业产生深远影响，深刻重塑竞争格局。 我国保险市场发展尚不成熟，与世界发达国家仍有差距，发展中的问题需在发展中解决。最大诚信 原则是保险公司立身之本，不能搞急功近利短期行为，不能以追求"规模和速度"而与政策背道而驰牺牲 行业形象。国家决不允许金融出半点混乱，决不允许破坏金融大厦根基，哪怕是侵蚀一点点也不行。若 行业长期亏损，如何承担市场、社会风险，如何为经济发展"保驾护航"？又如何为绿色发展、科技创 新、人工智能、产业链安全等重大战略提供稳定风险保障？ 险企只有精准把握政策变化，遵循游戏规则，加强风险管控，防范化解金融风险，优化创新服务模 式，才能在激烈竞争中决胜，在规范健康道路上走得更实更稳更远。非车险报行合一，标志着我国非车 险市场进入新发展阶段。 （作者单位系中国人民财产保险股份有限公司常熟中心支公司） 一些中小财险公司本就发展艰难，在夹缝中求生存，也被行业乱象所困，甚至被拖累拖垮。 我国保险市场潜力巨大，已是保险大国，市场呼唤规范。近年来，金融改革稳步推进，从"见费出 单"到"报行合一"，一步步向纵深发展。市场 ...

Core Insights - The article discusses the significance of non-auto insurance and the recent regulatory initiative known as "reporting and execution consistency" in the insurance industry [1][2][3][4] Group 1: Non-Auto Insurance - Non-auto insurance encompasses various types of insurance products, including home property insurance, enterprise property insurance, liability insurance, accident insurance, short-term health insurance, travel insurance, and return shipping insurance [1] - The share of non-auto insurance in total property insurance premiums has increased from 37.1% in 2019 to 50.8% in the first eight months of this year, indicating a growing market [1] Group 2: Reporting and Execution Consistency - "Reporting and execution consistency" mandates that the insurance terms and rates submitted for regulatory approval must match those used in actual sales, preventing discrepancies that could mislead consumers [2][3] - This initiative aims to eliminate unethical competitive practices, such as underreporting fees or altering coverage terms post-approval, which can distort the cost structure and pressure underwriting profits [2] - The regulatory body has issued guidelines to enhance supervision of non-auto insurance, focusing on optimizing assessment mechanisms, standardizing product development, managing premium income, and improving claims services [2] Group 3: Impact on Consumers and Market - The policy is designed to protect consumers by ensuring fair market practices and maintaining the financial stability of insurance companies, which is crucial for timely and adequate claims payments [3][4] - By enforcing strict adherence to approved terms, the initiative promotes transparency and reduces sales misrepresentation, allowing consumers to make informed comparisons [3] - The shift in competitive focus from price wars to value-based competition is expected to lead to better product offerings and enhanced customer experiences in the insurance market [3][4]

Core Viewpoint - The article discusses the increasing trend of travel insurance, particularly highlighting government initiatives in regions like Kashgar, Xinjiang, where local authorities provide insurance coverage for tourists to enhance safety and promote tourism [1][4]. Group 1: Government Initiatives - The Kashgar region has implemented a unified travel insurance program for all tourists visiting local attractions, funded by the government with an investment of 5 million yuan [1]. - The insurance covers various risks including accidental death, medical expenses, and property loss, applicable to both local and foreign tourists [1][4]. - Other regions, such as Daming County in Hebei and Wuzhishan City in Hainan, have also introduced similar insurance programs to support tourism and enhance visitor safety [4]. Group 2: Travel Insurance Products - Travel insurance products are increasingly diverse, with options that include personal accident coverage, high-risk sports, and emergency medical assistance [2][3]. - Consumers are advised to select insurance based on their travel needs, such as short trips requiring basic coverage versus long-distance travel needing comprehensive protection [3]. - There are misconceptions about travel insurance, such as the belief that more coverage is always better; it is essential to understand the specific terms and conditions of each policy [3].

Core Viewpoint - The demand for insurance products, particularly for children during the summer vacation, has surged as families seek to mitigate risks associated with travel and outdoor activities [1][4][7]. Group 1: Insurance Products Overview - Various insurance companies, including China Life Insurance, ZhongAn Insurance, and JD Allianz, have launched summer insurance recommendations covering school accident insurance, travel insurance, and more [1][4]. - School accident insurance is highlighted as a primary choice for students, offering coverage for medical expenses, hospitalization allowances, and specific disease treatments, with annual premiums around 100 yuan [4][5]. - Travel insurance has been tailored for both domestic and international needs, focusing on medical, property, transportation, and accident coverage, with daily premiums ranging from a few yuan to over ten yuan [4][5]. Group 2: Risk Coverage and Recommendations - The summer risks primarily include accidental injuries, acute illnesses, and travel-related risks, such as heatstroke and natural disasters [7][8]. - Parents are advised to consider basic accident insurance and medical insurance as foundational coverage, supplemented by travel-specific insurance to address travel risks [8]. - It is essential for parents to understand the terms and conditions of insurance policies, including exclusions and coverage limits, to avoid ineffective insurance purchases [8].