Our reporter Leng Cuihua
The Beijing 2022 Winter Olympics are in full swing.
The Beijing Winter Olympics further drove more people to participate in ice and snow sports, and also stimulated people's enthusiasm for ice and snow sports.
But at the same time, the dangers of ice and snow sports have also been widely discussed.
"The end of the snow trail is orthopedics" once became a hot search on the Internet.
Industry insiders said that while maintaining enthusiasm, the general public should participate in ice and snow sports rationally, participate scientifically, pay attention to protection, and configure insurance in case of potential risks.
At the same time, with the opportunity of the Beijing Winter Olympics, insurance companies have a lot of room for innovation in sports insurance products.
Does the sport fall within the scope of disclaimer?
In recent years, the coverage of ice and snow sports in my country has been further expanded.
Statistics from the National Bureau of Statistics show that as of October 2021, the number of people participating in ice and snow sports nationwide has reached 346 million.
Another set of data shows that there are 654 standard ice rinks and 803 ski resorts in the country, a substantial increase from previous years.
At the same time, the big data of Tongcheng Travel shows that during the Spring Festival this year, the number of orders for ice and snow scenic spots across the country increased by 68% compared with the same period of last year's Spring Festival, and skiing has become one of the five most popular themes in this year's Spring Festival.
From a group perspective, young people prefer ice and snow sports, and "post-90s" and "post-00s" account for more than half of the people who book ice and snow sports scenic spots.
However, the risk of skiing has also been hotly debated.
A ski enthusiast, Qing Yang (pseudonym), told reporters that some people like to take risks and do not follow the rules, so they are at great risk.
In one case, the skier fell and injured himself, and in the other, he collided with someone else.
In response to the risks of ice and snow sports, Xu Yuchen, a partner of Yuchun actuarial consulting, told the "Securities Daily" reporter that people participating in ice and snow sports should configure insurance in advance and fasten their ski "seat belts" through insurance.
People participating in general ice and snow sports can transfer risks through accident insurance, including reimbursement for accidental medical expenses, access to accidental hospitalization allowance, or accidental disability or accidental death compensation.
The relevant person in charge of Micro Insurance told reporters that common ice and snow sports such as skiing and skating are high-risk sports, and accidents such as falls and accidental injuries to others are very likely to occur. Sports accident insurance that covers extreme sports. If you go to Snow Town to experience ice and snow sports during your trip, you can purchase travel insurance that covers high-risk sports for more comprehensive coverage.
"It is worth noting that general accident insurance covers daily risks, and most of them use high-risk sports as the scope of exemption. Common ones such as skiing, skating, paragliding, skydiving, rock climbing, bungee jumping, and martial arts competitions are all high-risk sports. Consumers need to carefully read the definition of high-risk sports in the insurance terms." The person in charge emphasized.
If you participate in professional sports competitions, you need to contact the organizer to configure special insurance. General accident insurance does not guarantee professional competitions.
Some people in the insurance industry said that according to the past situation, some accident insurance only reimburses the drugs within the social security, not including the drugs outside the social security. Consumers should also find out in advance, otherwise it will easily lead to claims disputes later.
Qingyang told reporters that after an injury, in addition to the need for reimbursement, another practical need is rescue. Therefore, he will pay special attention to whether the product covers rescue services when purchasing insurance. He also recommends other snow friends to check carefully when purchasing insurance.
Seize the opportunity to innovate ice and snow insurance
The Beijing Winter Olympics ignited the enthusiasm of people to participate in ice and snow sports, and also drove the sales of ski insurance.
Industry insiders believe that taking advantage of the Beijing Winter Olympics, insurance companies still have room for innovation in product design and publicity.
He Jian, general manager of Huize's insurance business department, told reporters that people participating in skiing have a high demand for accident insurance.
On the one hand, the overall quality and spending power of the people involved in skiing are relatively high; on the other hand, skiing is prone to accidents, more bumps and fractures, and consumers have great pain points.
He Jian said that most of the consumption scenarios of ski insurance are in sports scenarios. For example, buying ski equipment, finding a coach to learn to ski, and buying tickets for scenic spots are covered by insurance products, and most consumers will buy from these channels.
Some industry insiders suggested that we should take the opportunity of the Beijing Winter Olympics to do a good job in promoting ice and snow insurance and insurance companies, so that more people in need can take the initiative to purchase insurance through channels such as the official website of insurance companies before participating in sports.
He Jian believes that driven by the Beijing Winter Olympics, the insurance industry has great opportunities to innovate sports insurance products such as skiing and skating, as well as to enhance services and brand effects.
In terms of promoting product innovation, the current sports accident insurance on the market is mostly a general-purpose product for outdoor sports, rather than a product for a special group of people such as ice and snow sports; from the demand side, some ski enthusiasts hope to achieve 100 10,000 yuan or even higher, and complete rescue services, this is the market segment of insurance companies.
At the same time, insurance companies can drive sales of other products by improving their services.
For example, most ski enthusiasts also like other sports, including surfing, diving, rock climbing, etc. Through the sales and services of ski insurance, the insurance awareness of these consumers and their identification with insurance companies are enhanced, thereby transforming them into active purchasers of insurance. group.
According to Wang Tingke, vice chairman and president of PICC, taking the opportunity of the 2022 Winter Olympics in Beijing and focusing on the promotion and development of popular ice and snow sports, PICC has innovated insurance services, vigorously developed ice and snow travel insurance, and created pre-event prevention, in-process management, and post-event management. The whole-process risk management system of compensation has built an ice and snow tourism service model of "insurance + technology + service".
For the ice and snow tourism scenario, the company has developed products related to ice and snow tourism, such as the “Ice and Snow Excellent Travel Insurance” domestic travel insurance, and the “Ice and Snow Good Luck Insurance” exclusive personal travel insurance for the Beijing Winter Olympics, and provides national emergency rescue services.
According to Li Mingxiao, Secretary of the Party Committee and Director of the Beijing Banking and Insurance Regulatory Bureau, since 2020, various property insurance companies in Beijing have designed and launched more than 50 insurance products related to the ice and snow industry, providing a total of more than 320 billion yuan in risk protection.
(Securities Daily)