According to the insurance industry claims data released by the China Insurance Regulatory Commission (CIRC), the following is the big data of claims in the last three years:
2014:
Claims for property and casualty business amounted to 378.821 billion yuan, an increase of 10.15% year-on-year from 2013; life insurance business paid out 272.843 billion yuan, a year-on-year increase of 21.09%; health insurance business claims and benefits of 57.116 billion yuan, a year-on-year increase of 38.92%; accident insurance business claims of 12.842 billion yuan, a year-on-year increase of 17.27%.
Total: claims and benefits expenses of 721.621 billion yuan, an increase of 16.15% year-on-year.
2015:
Claims of 419.417 billion yuan for general insurance business, up 10.72% year-on-year from 2014; benefits of 356.517 billion yuan for life insurance business, up 30.67% year-on-year; claims and benefits of 76.297 billion yuan for health insurance business, up 33.58% year-on-year; and claims of 15.184 billion yuan for accident insurance business, up 18.24%.
Total: 867.414 billion yuan of claims and benefits expenses, up 20.20% year-on-year.
2016:
Claims for general insurance business amounted to RMB 472.618 billion, an increase of 12.68% year-on-year; benefits for life insurance business amounted to RMB 460.295 billion, an increase of 29.11% year-on-year; claims and benefits for health insurance business amounted to RMB 100.075 billion, an increase of 31.17% year-on-year; and claims for accident insurance business amounted to RMB 18.301 billion, an increase of 20.53%.
Total: 105.128 billion yuan of claims and benefits expenses, up 21.20% year-on-year.
From the data, we can see that the amount of insurance claims is rising sharply every year, and it also shows that the environment for insurance claims is improving and improving.
▌Don't say insurance claims are hard!
The CIRC released claims data for the first half of the year on August 10, 2017: 229.450 billion yuan of claims for general insurance business, up 5.95% year-on-year; 284.216 billion yuan of benefits for life insurance business, up 10.41% year-on-year; 54.709 billion yuan of claims and benefits for health insurance business, up 25.03% year-on-year; and 10.175 billion yuan of claims for accident insurance business which increased 19.73 percent year-on-year.
From this, we can see that the payouts in the first half of the year alone amounted to 578.550 billion yuan, an increase of 9.94 percent year-on-year.
Is it really hard to make insurance claims? Or have you never bought or claimed insurance at all, just people?
The development of China's insurance industry has only been a long time, the country's insurance companies to deal with how many cases of insurance claims a year? Most of the people who say that insurance claims are difficult to see only a very small number of cases where there are objections to insurance claims, but ignored the amount of hundreds of billions of dollars or even trillions of dollars of insurance claims.
The smart ones have already prepared their own insurance, and the uninformed ones are still following blindly. In fact, insurance is all around you, and insurance is not something you can buy just because you want it.
▌To summarize, there are three major reasons why people in China do not buy insurance:
1, the reason for the idea, do not understand the insurance, there is no sense of risk, there is a fluke mentality. The probability of a person suffering from a major disease in his life is as high as 72.18%, and the probability of winning the lottery is less than 1%, but still believe that there is a possibility of winning the lottery rather than suffering from a major disease in his life. Insurance, not to protect the risk of coming, not simply to get compensation in the event of an accident and buy, "risk" is 100% of the existence of a single does not necessarily occur, "insurance" is the existence of this "risk! ", rather than a certain probability of loss, if you do not understand the existence of 100% of the "insurance" there will be people who will bet on 0% does not cause losses, and do not buy insurance! In fact, this is what you think, wake up
2, the reason for the behavior, a little concept of insurance, but always think that the young body is good, and then later, but I do not know that the insurance company has three doors: the first open door, young premiums are low, a wide range of choices, long coverage, but there is no awareness of the door into the door; the second door hidden door, the body of the middle-aged to become worse, premiums are high, underwriting in addition to the increase in premiums to rush to the door into the door; third door is closed door, the old age, the old age, the old age, the old age and the old age are the only loss that occurs. Door is closed door, old and weak money again, buy insurance is rejected, today you reject insurance, tomorrow insurance reject you.
3, the product itself, insurance is an intangible product, can not be experienced in a timely manner, for example, to buy a piece of clothing, be praised by people decent, feel very good, buy a car with people driving around envied by people, feel very good! And insurance? Can not immediately have a sense of experience, even after paying for three or five years, and no disease or disaster, will produce a feeling of not cost-effective, only until many years later, the child marriage, their own old age to have a feeling, so that the future of the future you will certainly thank you for buying insurance now! All things are new and good, only the insurance is old and good, the policy is yellow and think of parents. As the saying goes, only the policy really hold love, love to use when people move.