Reading volume: The latest report released by Aowei Consultation believes that after the per capita disposable income of Chinese country exceeds 7,000 to 10,000 US dollars, the annual growth rate of personal insurance premiums is expected to be as high as 13%, and it will surpass the United States in 2030 to become the world’s largest person in the world. Insurance market. It is expected to achieve a premium of 45 trillion yuan in 2050. Xinhua Finance Shanghai, March 11 (Reporter Wang Shujuan) The latest "China People’s Danger Market Future Outlook Report", the latest release of the international consulting company, believes that although the industry is facing weak growth in the short term After the US dollar, the annual growth rate of personal insurance premiums is expected to reach 13%, and it will surpass the United States in 2030 to become the world’s largest personal insurance market. By 2040, China’s personal risk penetration rate is expected to reach a stable level of 11%to 13%, and it is expected to achieve a premium scale of 45 trillion yuan in 2050, which is equivalent to nearly 10 times the expected increase.
Insurance+medical health, the release of long -term potential is currently under pressure, although commercial medical insurance has a high surface inspection amount, the actual compensation is insufficient. According to Aiwei Consultation data, in 2019, the overall medical expenditure structure of China accounted for 58%, and commercial health insurance accounted for 7%. The penetration rate of medical insurance was significantly low, which caused 35%of the medical expenditure gap to be resolved at their own expense.
The huge expense gap drives the head insurance companies to deploy the medical and health field. It is hoped that through leverage, the relationship between payment, user and medical services can be balanced.
If Ping An of China announced the medical ecosystem in 2019, "insurance+medical health" has also risen to the group strategy. The medical sector layout online consultation platform Ping An Good Doctor, smart medical care focusing on AI technology, and Peking University International Hospital, which mergers and acquisitions and acquisitions and acquisitions, forms a complete ecosystem of online+offline+technology. Last year, Ping An also clearly created the HMO+family doctor+O2O model to interpret how insurance+medical care is coordinated.
Aoyi Consulting believes that creating a customer -centric business model to effectively open up customer information and needs, products and services, and it is essential to break the short -term challenge and release long -term potential.
The core of this model is the upgrade of the service purpose of insurance companies, that is, from a single sales product, to the needs of the life cycle of service customers. In the longevity era, pensions have become new service models in insurance companies.
It can be seen in this year’s government work report that the development of the third pillar pension insurance, supporting social forces to provide day care, food assistance, rehabilitation care and other services have been listed as an important direction for the development of aging careers in the next stage. Various insurance companies have also entered the bureau. For example, the community pension model represented by Taikang and Taibao, and the home care service model represented by Ping An are seizing the pension market.
In addition to service upgrades, the gap in commercial pension products is also the new pillar of future life insurance growth.
As a third pillar, commercial pension insurance and long -term care insurance are considered an important measure to alleviate the pressure of aging in Chinese society.
For example, the long -term nursing risks that have been piloted in recent years aim to meet the basic needs of disabled dementia in life care and medical care through the cooperation between government and insurance companies.
In Nantong, the first batch of pilot cities, Ping An Pension Insurance, as the main underwriting unit, led the establishment of the first northern care insurance service center in the country, providing on -site care services for nearly 10,000 households in disabled dementia for 6 years.
Digital tools empower high -quality agents in the Chinese life insurance industry in the past two years and are facing unprecedented development difficulties. In 2021, the number of insurance companies decreased by more than 2 million compared with the end of 2020. The model of selling products is unsustainable.
Aoyi Consultation pointed out that it is difficult for unstable and low -quality agents to match the quality of service quality required by middle -class and wealthy customers.
However, it is difficult for online channels to shake the mainstream status of exclusive agents (60%) and bank security channels (30%), indicating that high -quality agents will still be the cornerstone of life insurance development.
In the process of reform, the launch of high -quality agents and digital tools are only the first step. More importantly, the effectiveness of these tools empowerment and the changes in the behavior mode of the agent. Digital channels and digital tools are just means. The empowerment and reform of the agent are the top priority. From the perspective of the reform practice of insurance companies.
The reporter learned that Ping An, the first to launch life insurance reform in the industry, is using the "product+channel" double -wheel drive to use science and technology to empower to create a new digital life insurance model. Among them, through the "Three Good Five Stars" evaluation system for digitalization, the "three high" agent teams of "high quality, high performance, and high quality" are realized.
The system revolves around the "good performance, good quality, good behavior", and empower the business department and agent’s daily operation through the scores of additional staff, training, production capacity, performance, and management. For agents, digital tools can improve work efficiency, make the salesperson’s work more standard and professional, and at the same time improve management energy.
Ping An said that the digital coverage rate of the current life insurance increase is more than 90%, and the application of digital tools allows enterprises to actively control the process of increasing staff. Qian Xing, a partner of Aiwei Consulting Director, said that insurance companies need to firm confidence and resolutely promote the long -term development of beneficial industries. The market needs to be patient with the transformation period of the industry to respond to short -term challenges and experience growth pain.
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