On September 13, 2018, china too protect hand in hand Pu Huayong path is released " white paper of Chinese insurance consumer " (next weighing " white paper " ) , this white paper with China too the data of total volume client that keeps more than 123 million is example. White paper shows, insurance consumer last year guarantee slip of average per capita 2.89 pieces, married crowd is compared lone be willing to buy insurance more, but consumer insurance idea still stays in cast for oneself maintain level.
Male insurance consumer exceeds 6 to become
White paper with danger of danger of medical treatment, accident, serious illness, birthday, provide for the aged, education, fortune, car, penates the insurance of panoramic type ensures domain of 9 big safeguard the system is analytic frame, in order to be sure expenses of safeguard limits, combination, level, cost, sexual distinction, district, individual reach domestic feature to be parameter, spend from the different dimension such as gross and structure, feature of consumer of depict China insurance.
White paper shows, the male basically consumes a guest for insurance group, client of the male in consumer is occupied than amounting to 60.8% , the female is occupied than for 39.2% ; Female insurance consciousness is in there was certain promotion in 7 years in the past, the female in consumer is occupied than promoting 2.4 percent, but still under the male 21.6 are nodded.
From the point of the age, 80 hind insurance consciousness is stronger, it is consumer main force. Insurance consumer is medium 2017, 31 years old - client of 40 years old is occupied than highest, for 29.7% .
From cast for who protect angle to look, consumer insurance idea still stays in cast for oneself protect give priority to, female relatively the male pays close attention to filial safeguard more. whole, the scale that consumer buys insurance for oneself is 76.1% ; Next apt is bought for children; Female client is willing to buy insurance for children more than male client.
Seductive is, in Chinese insurance consumer, married the customer that has children is occupied than highest, be as high as 78% ; It is next lone, occupy than for 13% . In addition, married the family that has children risk consciousness is normally stronger, especially the consumer that the age reachs 40 years old in 30 years old, insurance consciousness is stronger, be willing to spend money to purchase guarantee slip more. As economic development, expenses of insurance cost of integral average per capita also rises subsequently, teach danger insurance cost to increase especially rapid, mirrorred parents to be willing to undertake economy is thrown more to children.
2017 guarantee slip of average per capita 2.89 pieces
From the point of hold of insurance consumer guarantee slip and circumstance of insurance cost defray, in Chinese insurance consumer, much Zhang Bao's odd consumer took hold 2017 than achieving 64% , rise than 2010 19 percent. Guarantee slip of hold of average per capita 1.96 pieces from 2010, growth reachs 2.89 pieces of 2017.
In addition, the consumer of each age level is protected the first piece odd danger of first selection accident, youth and senile person-time choose medical treatment risk, middleaged person-time chooses birthday risk. Insurance cost respect, insurance cost of educational insurance average per capita is highest, take second place of provide for the aged, the 3rd is money management.
Mention to this white paper, develop as the society, communication is easier and easier, but the traffic accident amount that produces from this, involved personal casualty amount is shocking, ring alarm bell noisy to consumer, consumer takes give a security seriously more and more, when reason is buying insurance first more tendency accident danger.
From in last few years popular medical treatment danger looks, consumer of medical treatment danger was occupied 2017 than exceeding an in part, relatively rose 2010 24 percent. In addition, medical treatment danger is given priority to with short-term consumer, the individual buys the consciousness of medical treatment danger to increase, 2010 - 2017, individual client is occupied than rising ceaselessly, individual client was occupied 2017 than exceeding 90% . In addition, medical treatment risk is total give priority to with male consumer, the male pays close attention to a year more period reach insurance of short-term medical treatment below, 25 years old - 50 years old are the main force that buys medical treatment a place difficult of access, the trend that 50 years old of above take policy-holder of medical treatment insurance and insurant to rise than all presenting year after year.
From the point of serious illness risk, consumer pays close attention to healthy safeguard, consumer of serious illness risk is occupied than apparent promotion, mixed 2016 especially occupied 2017 more more apparent than promotion; Up to 2017, 9.1% what weigh disease risk client to hold all client proportion. But on the whole, serious illness risk ensures horizontal on the low side, development space is large, long-term risk average per capita guarantees serious illness a place difficult of access the forehead is 230 thousand yuan, short-term danger average per capita protects the forehead to be 40 thousand yuan, compare on the low side with bearing of demand of cost of serious illness medical treatment. In addition, serious illness risk has not become a company to cast the main safeguard that protect for employee, still cast with the individual protect give priority to.
From the point of insurance density, whole of demand of our country insurance shows ascendant trend, but compare with developed country photograph, insurance demand still did not get complete, effective release. Defray of insurance cost of insurance consumer number, average per capita, average per capita protects odd number to wait to show apparent area difference, wait for economy to develop littoral region assurance consciousness is opposite taller, number of consumer of Hua Dong area is occupied than be close to 40% ; Western the area although instability, but development is rapid in last few years.
White paper is forecasted, female client is occupied increase year after year than future, predict to will be achieved 2020 40.29% ; Policy-holder with 31 years old - occupy 40 years old than highest, predict the consumer of this age level was occupied 2020 than will be being achieved 26.16% ; As consumer level rise ceaselessly, guest all insurance cost also promotion of year after year, the investment that teachs safeguard especially will increase ceaselessly, predict insurance cost of average per capita will achieve 30380 yuan 2020; Consumer insurance consciousness increases gradually, insurance cost of average per capita also promotes gradually, predict guarantee slip of average per capita will exceed 3 pieces 2020, the consumer of guarantee slip occupies 2 Zhang Ji above to be become than predicting to will exceed 7.
Yao Yuan of partner of scientist of presiding data of China of Pu Huayong path, big data, analysis and officer of information government service expresses: "Consumer picture is the practice of a kind of understanding that big data uses merely, new generation with finance of system of big data science and technology, artificial intelligence, Internet gain ground to be buried to be sure to change played a hint foreshadowing later developments in a story.
The article reprints from: Insurance wisdom library
