報告顯示 在線投保在中國年輕人中越來越受歡迎

Online insurance is gaining popularity in China, driven by an increasing number of young people looking to cover themselves using quick, low-cost, social media-powered apps, according to a new industry report.

一份新的行業報告顯示，由於越來越多的年輕人希望通過快速、低價、基於社交媒體的應用程序來投保，在線投保在中國正變得越來越受歡迎。

The survey by WeSure, an online insurance portal backed by tech conglomerate Tencent Holdings Ltd, finds young people have become the main buyers of online insurance.

由騰訊控股有限公司支持的在線保險門戶網站微保開展的這項調查發現，年輕人已成爲在線保險的主要買家。

Among those surveyed, 80 percent of online insurance applicants were born in the 1980s and 1990s, and more than a third, 36.4 percent, were aged under 24.

在接受調查的人羣中，80%的網上投保者是80後和90後，超過三分之一（36.4%）的人年齡在24歲以下。

Liu Jiaming, executive director and CEO of WeSure, noted that young consumers grew up with the internet and so would be more comfortable with shopping online.

微保執行董事兼CEO劉家明指出，年輕的消費者是伴隨着互聯網成長的，因此會更喜歡在網上購物。

"Young people will be the future driving force as they have a greater awareness of online insurance," he said.

他表示：“年輕人將成爲未來的驅動力，因爲他們對網上投保有更多的認識。”

WeSure was set up in 2017 to supplement Tencent's efforts in the insurance sector. Since then, it has been fueling innovation in the traditional insurance sector with its technology, products and services.

微保於2017年成立，以填補騰訊公司在保險領域的空白。從那時起，它就以其技術、產品和服務推動了傳統保險行業的創新。

By the end of November, WeSure had become Wechat's most popular insurance mini program -- a program that runs inside the Wechat app -- with 20 million active users per month.

到11月底，微保已經成爲微信上最受歡迎的小程序（微信內可運行的程序），每月活躍用戶達2000萬。

With an aim of making insurance accessible to everyone, Liu said that the platform has lowered the price as much as possible. Applicants pay a minimum of 5 yuan (70 cent) per month to buy insurance topping 500,000 yuan.

劉家明表示，爲了讓每個人都買得起保險，微保平臺已儘可能的降低了價格。投保人每月僅支付5元（約70美分）就可以購買高達50萬元的保險。

"During this process, technology is an important part of business -- epitomized by the fact that 70 percent of customer service is provided by artificial intelligence. Such a technology-oriented process drives efficiency to a great extent. Up to 80 percent of users of WeSure can get their compensation within a day," said Liu.

他說：“在這個過程中，技術是這種商業模式下最重要的一部分--70%的客戶服務都是由人工智能完成的。這種以技術爲導向的過程極大地提高了效率，高達80%的微保用戶可以在一天內完成理賠。”