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The following is the An analysis of the insurance portraits of the post-80s and post-90s From Report on consumption ecology of urban new middle class insurance recommended by recordtrend.com. And this article belongs to the classification: Consumer research, User Research, research report.
The post-80s and post-90s have a strong demand for insurance, and insurance consumption tends to be younger
From the change trend of new insurance policies in different age groups from 2010 to 2019, the insurance purchase proportion of post-80s and post-90s is on the rise, and it will reach 48.9% in 2019, accounting for nearly half of the new insurance policies in that year. Xu Xian said that this also reflects the increasingly sound insurance consumption concept and strong insurance demand of the post-80s and post-90s. The young insurance consumption market has full potential.
The report shows that, except for the Post-00’s, the younger the group, the more insurance policies they hold per capita. In terms of insurance types, whether life insurance, serious illness insurance, accident insurance or annuity insurance, the main consumers are inclined to the Post-80’s or even the post-90’s. With the increase of age, the post-80s and post-90s not only pay attention to insurance for themselves, but also pay more attention to family security.
The post-80s and post-90s are the main force of serious illness insurance, and the light illness insurance should be paid attention to
As a new urban middle class, the post-80s and post-90s are gradually becoming the backbone of society and family. At the same time, they are facing more and more work and life pressure and potential risks. Insurance is a powerful tool for post-80s and post-90s to deal with risks. As an important means to deal with potential disease risks, severe illness insurance has been paid more and more attention by post-80s and post-90s.
The report takes the policy data of Ping An Life’s main serious illness product “Ping An Fu” series insurance product plan (hereinafter referred to as “Ping An Fu”) as the observation object. The results show that the customers of serious illness insurance are becoming younger and younger, and the post-80s and post-90s insured “Ping an Fu” account for 72% of the total, becoming the main consumer of “Ping An Fu”. However, women are more active in insuring Ping An Fu, accounting for 58%, and the proportion of women insuring Ping An Fu continues to increase with age.
In addition, the protection of mild diseases should not be ignored. The proportion of severe illness and mild illness is much higher than that of post-90s. The proportion of post-90s with mild illness getting out of danger and getting compensation is 20.9 times of that with severe illness, while the proportion of post-80s with mild illness getting out of danger and getting compensation is 13 times of that with severe illness.
Insurance technology activates insurance market and promotes digital transformation of the industry
Insurance technology integrates the use of big data, cloud computing, artificial intelligence, blockchain and other technologies, which not only effectively improves the operation efficiency of the traditional insurance industry, but also promotes the innovation of the whole insurance chain, thus effectively promoting the development of the industry. The post-80s and post-90s are more influenced by the Internet and have a higher degree of acceptance of new technologies.
On the one hand, insurance technology can reduce the degree of information asymmetry, promote the efficient operation of the health insurance market, and achieve cost reduction and efficiency; on the other hand, the application of insurance technology also provides insurance companies with higher and broader dimensions of data about consumers, helping insurance companies understand consumers, so as to launch insurance products and services that are more in line with consumers’ expectations, and further activate 80 and 90 The demand for health insurance after the reform has formed a virtuous circle.
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