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中保协调研报告:高学历、已婚群体更爱买保险

2017-09-21 07:32:14   中国经济网

中保协调研报告:高学历、已婚群体更爱买保险

■记者 冷翠华

近日,中国保险行业协会互联网产险联盟联合艾瑞咨询发布的《2017互联网财产险用户调研报告 》(下称《报告》)指出,高收入人群、高学历人群的投保意识更强。

通过对1347名购买过保险的用户进行调研,《报告》对用户群体特征、购买行为及满意度、购买渠道等方面进行了分析,并对互联网财产险的发展提出建议,包括产品设计标准化、体系化,充分利用人工智能、大数据技术等。

36-45岁人群更爱买保险

该《报告》显示,互联网财产保险用户群体集中为26-45岁已婚中青年群体,其中,36-45岁人群更加偏好于购买保险,在已购险人群中的占比达38.6%,在保险用户中的占比高于其在整体样本中的占比。同时,已婚人群占比高达83.6%,高于样本整体中已婚人群比例。《报告》认为,出现这一结果是因为这类群体的社会角色多重性产生多样化需求。

值得注意的是,《报告》指出,高收入、高学历人群的投保意识更强。购买保险的用户个人月收入在6000元至一万元的群体占比36.5%,高于样本总体比例。同时,保险用户的受教育水平集中于本科学历,占比高达57.5%,比整体样本中本科学历人群占比高4.9个百分点。《报告》认为,这类人群的主动投保意识更强,且其对复杂条款的理解能力更强。

主动投保思维有待养成

根据调研结果,用户购买保险的时间节点占比最高的是延续性保险到期日前后,这一时段内购买保险的用户占比达到了38.5%。这也反应了他们的主动投保思维还不够强。

从保险用户最常购买的保险来看,38.3%的用户最常购买汽车类保险,位居第一;22.8%的用户最常购买电商类保险,位居第二;13.1%的用户最常购买资金安全类产品。资金安全类保险和电商类保险表现亮眼,分别有60.4%和56.5%的用户曾购买过这两种保险。

不过,从用户自评的最影响自身生活的风险因素来看,依次有44.4%的用户选择了生病,15.2%的用户选择了电子账户被盗,13.2%的用户选择手机丢失或损坏。可见,用户对保险的需求与其实际购买行为不匹配。

从用户产品选择的影响因素看,大型保险公司优势明显。数据显示,用户最常购买的保险公司集中于大型保险公司。保险用户在产品选择时最看重的因素是理赔渠道是否畅通和保险公司的品牌,占比分别达到了29.6%和27.1%。

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