后疫情时代中国家庭保险需求变化报告-安国保险- 23页会员免费优质

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2 序言 中国保险行业正在经历一场前所未有的变革。 在 30 多年快速发展之后，中国保险行业来到突破临界点。伴随着技术的飞速进步和互联网时代下的数据爆炸，保险开始迈入数字化转型的新时代，消费者购买习惯不断改变。 今年以来，伴随着新型冠状病毒引发的肺炎疫情，大众的健康意识与风险意识也不断提升。随着企业安全有序复工复产，大众保险需求有望迎来抑制后的“井喷”。 在行业快速发展和变革下，安国保险研究院对近几年中国保险行业原保费收入变化进行梳理，通过收入增减曲线透视消费者的保险消费偏好的变化，并对疫情后中国家庭保险需求的变化进行调查，得出如下结论： 一、2014 年至 2019 年，健康险成为中国保险市场上保费收入增速最快的险种。6 年间，健康险原保费收入总体增长 345%，保险的保障功能不断强化。 二、受疫情影响，今年一季度健康险需求大增。2020 年一季度，中国原保险保费收入16695 亿元，同比增长 2.29%。在较低迷的市场情况下，健康险依然保持较快增速，保费收入 2641 亿元，同比增长 21.6%。 三、突发疫情让消费者重新认识保险。超过六成的受访者表示，新冠疫情影响了他们对保险的认知，认为有必要增加保险消费，防范风险。 四、消费者挑选保险产品时，保障范围受关注。七成受访者表示，与疫情前相比，现在购买保险时更注重产品的保障范围。超过六成受访者比过去更注重保险公司的品牌。 五、消费者在选择保险产品时，最为重要的影响因素，是信任。消费者在自主寻找保险产品时，相熟的保险销售人员、朋友等熟人推荐最容易被消费者接受，近五成受访者会选择；其次超过四成受访者选择支付宝、微信等大型支付平台作为保险入口；保险销售人员线下面谈也是比较受欢迎的渠道之一，超过四成受访者选择。

3 六、疫情加速了保险业务线上化，消费者的互联网行为习惯得到培养。超过六成受访者认为，目前一半以上的服务流程可以在线上完成。近八成受访者希望未来可以增加线上咨询服务，近七成受访者希望增加线上理赔服务。 安国保险研究院 2020 年 6 月 2 日

4 目录 一、中国保险行业概览·········································································································································05 1、中国原保险保费收入变化······························································································································05 2、各险种保费收入变化······································································································································06 3、2020 年一季度原保险保费收入···················································································································07 4、各险种签单数量统计······································································································································08 二、疫情对中国家庭保险配置的影响·······················································································...