华夏时报（www.chinatimes.net.cn）记者 吴敏 北京报道 2024年，我国国内生产总值（GDP）首次突破130万亿元，达到134.9万亿元，按不变价格计算，比上年增长 5.0%。宏观经济的稳健发展，带动保险业实现明显复苏，2024年保险业实现原保险保费收入约5.7万亿元 同比增 长5.7%。 数据增长的背后，是国民保险意识的普遍觉醒。由元保集团与清华大学五道口金融学院中国保险与养老金融研究 中心联合编撰的《2024年中国互联网保险消费者洞察报告》（下称《报告》）显示，2024年近六成消费者的家庭 年保费超过8000元，同时，有76%的消费者计划在未来两年内调整保险配置，且将继续增加保费预算。 报告还指出，受投资环境变化影响，2024年近三成消费者增加了对储蓄险的投资。保险已跃升为继银行理财之 后，第二大广受青睐的财富管理工具。 95后"押保"挡焦虑 近年来，"996工作制""职场内卷""精神内耗"等话题频上热搜反映出年轻群体在职场和生活中面临的焦虑与挑战。 心理健康问题已成为95后健康担忧排行榜的第二名，仅次于对日常意外伤害的担忧。 报告提供的数据显示，95后已经成为对心理健康问题最担忧的一 ...

Group 1 - The core idea of the news is the launch of the "Commercial Insurance Calculator" by the Shanghai Medical Insurance Bureau, which aims to help consumers select tailored commercial health insurance products using intelligent technology [1][2] - The "Commercial Insurance Calculator" utilizes a data foundation based on "personal medical expense burden profiles," ensuring consumer privacy and data security while creating multidimensional population profiles [1] - The profiles categorize medical expense burdens into three main categories (high, medium, low) and nine subcategories, dynamically generating a "health insurance matching model" to recommend specific products [1] Group 2 - The "Commercial Insurance Calculator" is now available in the "Suishenban" personal account section, allowing users to receive intelligent insurance recommendations after granting authorization [2] - Currently, 11 insurance products are recommended, including hospitalization medical insurance, comprehensive medical insurance, critical illness insurance, outpatient emergency insurance, and specific disease insurance, covering essential protection needs [2] - The Shanghai government has adopted a "government-led, market-driven" approach to attract more insurance institutions, resulting in over 20 products launched in the personal account section, with more than 50,000 policies issued and premiums exceeding 30 million yuan, of which 93% were paid from personal accounts [2]