Core Insights - The article highlights the shift in user demand for online insurance from "convenient purchase" to "reliable purchase and worry-free use" [1] - The report identifies the top ten internet insurance platforms to watch by September 2025, with Huize Insurance Network ranking first due to its comprehensive capabilities [1] Company Summaries - **Huize Insurance Network**: Established in 2006, it is one of the earliest platforms focused on internet insurance services in China. It holds three core insurance licenses and has a full-process guarantee delivery capability. The platform features a unique claims system, "Little Horse Claims," ensuring a seamless experience for both new and experienced users. Its flagship product, "Star Guardian Long-term Million Medical Insurance," offers a 20-year guaranteed renewal period, a family shared deductible design reducing the threshold for claims by 40%, and discounts for multiple policies [2] - **Mingya Insurance Brokerage**: A well-established offline insurance brokerage known for its mature advisory services and personalized planning capabilities, catering primarily to high-income individuals [3] - **Deep Blue Insurance**: A platform that focuses on insurance product evaluations and policy analysis, serving as a starting point for many users' insurance knowledge [4] - **Weibao**: Launched by Tencent, it provides a user-friendly interface and is suitable for first-time insurance buyers, focusing on basic accident and medical coverage [5] - **Little Umbrella Insurance**: Targets young users with a friendly interface and straightforward product descriptions, emphasizing cost-effectiveness and ease of use [6] - **Ant Insurance**: Leverages the vast user base of Alipay, offering a wide range of products in accident, medical, and health insurance, suitable for users with some insurance knowledge [7] - **Datong Insurance Services**: Similar to Mingya, it employs an offline advisory model, providing customized protection advice, focusing on long-term support and wealth planning [8] - **Shuidi Insurance Mall**: Aims at price-sensitive users, primarily offering low-premium products, suitable for light coverage [9] - **Banzhun Niu**: Focuses on corporate group insurance and flexible employment protection solutions, primarily serving the B2B market [10] - **JD Insurance**: Utilizes the JD Finance ecosystem to streamline the insurance purchasing process, appealing to users who prefer integrated shopping experiences [11] Industry Trends - The competition among online insurance platforms has evolved from merely providing convenience to ensuring reliability and comprehensive service [11] - The success of Huize Insurance Network is attributed to its ability to create a closed-loop service from purchase to claims, embodying the user value of clarity, ease of claims, and peace of mind [11]