200亿保险规模？！铲屎背后的增量市场——揭秘宠物保险
<section style="box-sizing: border-box;font-style: normal;font-weight: 400;text-align: justify;font-size: 16px;"> <section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="border-top: 2px solid rgb(160, 160, 160);width: 1.2em;display: inline-block;vertical-align: middle;border-right-color: rgb(160, 160, 160);border-bottom-color: rgb(160, 160, 160);border-left-color: rgb(160, 160, 160);box-sizing: border-box;"></section><section style="display: inline-block;vertical-align: middle;margin: 0px -1.2em;padding: 3px 1.5em;color: rgb(6, 6, 6);font-size: 18px;letter-spacing: 1px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">保观 | <span style="font-size: 16px;box-sizing: border-box;">聚焦保险创新</span></strong></p></section><section style="border-top: 2px solid rgb(160, 160, 160);width: 1.2em;display: inline-block;vertical-align: middle;border-right-color: rgb(160, 160, 160);border-bottom-color: rgb(160, 160, 160);border-left-color: rgb(160, 160, 160);box-sizing: border-box;"></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"></section></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="border-width: 1px;border-style: dashed;border-color: rgb(122, 26, 5);box-sizing: border-box;"><section style="margin-top: -1px;box-sizing: border-box;"><section style="width: 5px;height: 5px;float: left;margin-left: -1px;background-color: rgb(122, 26, 5);box-sizing: border-box;"></section><section style="width: 5px;height: 5px;box-sizing: border-box;float: right;margin-right: -1px;background-color: rgb(122, 26, 5);"></section><section style="clear: both;box-sizing: border-box;"></section></section><section style="padding: 0px 3px;margin: -1px 0px;box-sizing: border-box;"><section style="border-width: 1px;border-style: solid;border-color: rgb(122, 26, 5);padding: 5px;box-sizing: border-box;"><section style="font-size: 15px;line-height: 1.8;letter-spacing: 1.5px;padding: 0px 10px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">2018年中国宠物市场交易额达到1708亿元，这一数字自2012年起就开始逐年递增。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">与前些年的蹦迪生活相比，近年来年轻一代的流行活动显得颇为“自闭”，吸猫撸狗成为年轻人在工作之外舒缓压力的有效模式。比起宠物玩具、零食、美容服务，对于铲屎官们来说，宠物的医疗费则是一笔更心酸的开销，轻则几千重则几万的医疗费让许多想要养宠物的社畜一族望而却步。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">面对人们对宠物日益提升的兴趣，宠物保险也开始入局，成为宠物市场下游中的中坚力量之一。早在2004年，华泰保险推出“小康之家”家庭综合保险，以家庭财产综合保险的附加险的形式将宠物责任纳入了保险范围。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">时间一晃十余年已过，就目前的市场状态来看，宠物保险虽被频频提及，但始终也没有掀起多大的波浪。宠物保险的未来，究竟是否值得期待？</p></section></section></section><section style="margin-bottom: -1px;box-sizing: border-box;"><section style="width: 5px;height: 5px;margin-left: -1px;float: left;background-color: rgb(122, 26, 5);box-sizing: border-box;"></section><section style="width: 5px;height: 5px;box-sizing: border-box;float: right;margin-right: -1px;background-color: rgb(122, 26, 5);"></section><section style="clear: both;box-sizing: border-box;"></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding: 0px 10px;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">01</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;box-shadow: rgb(0, 0, 0) 0px 0px 0px;border-top: 1px solid rgb(62, 62, 62);border-top-left-radius: 0px;padding: 0px 10px;box-sizing: border-box;"><section style="margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="margin-bottom: -6px;line-height: 1em;padding: 0px 5px;letter-spacing: 1.2px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">我国宠物市场有多大？</strong></p></section><section style="width: 100%;height: 10px;background-color: rgb(255, 202, 0);box-sizing: border-box;"></section></section></section></section></section></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;"><img class="raw-image" data-ratio="0.634" data-w="500" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pchhptiagzr9mXXjNDBQhGicIMzNWZUuhNrC55XHLUuvuLODN24lc3YW3g%2F640%3Fwx_fmt%3Djpeg" style="vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;" width="100%" data-type="jpeg"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">随着近年来家庭结构的转变，宠物在家庭中的地位也节节攀升，越来越多的家庭或个人开始走上铲屎官的“岗位”，而与此同时，我国居民素质的日益进步和生活精神追求的不断提升，也带来了宠物消费市场的火爆。<br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.6438792" data-w="629" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pcPAa6tPhdEvicO9ticTldicF5oXG1j65UJXbwuibEA5wmMycH3s0PpiaEVibQ%2F640%3Fwx_fmt%3Dpng" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" data-type="png"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">发展至今，宠物市场也形成了较为完整的行业产业链：从上游的宠物饲养交易、宠物食品和用品生产与销售，到下游的宠物医疗、宠物美容、宠物培训、宠物保险。相关统计数据显示，从2010年到2016年，中国宠物行业复合增长率为49.1%。据《2018年中国宠物行业白皮书》的数据显示，我国2018年城镇养狗、养猫人数达5648万人，<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">我国宠物市场规模已达1708亿元。预计2020年，宠物经济的市场规模将突破2000亿元</strong></span>，消费额有望超越日本，成为仅次于美国的世界第二大宠物消费市场。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">同时，宠物医疗市场规模也在不断攀升之中，从2012年到2018年，<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">宠物医疗市场规模由78亿元增长到了393亿元</strong></span>，这背后所蕴含的巨大需求正是宠物保险的发展机遇。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.6260593" data-w="944" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pcCBr4kuSBXNOdXGwj9WUCT1CIwv0viaBdD3yvuZJ54BBtM83K1s67ThQ%2F640%3Fwx_fmt%3Dpng" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" data-type="png"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">Frost&Sullivan的最新监测数据显示，中国养宠家庭数量从2013年的6934万户，增长到2018年<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">9978万户</strong></span>，5年里同比增长了<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">43.9%</strong></span>，中国每万户养宠家庭比例（渗透率）也从2013年的16%增长至<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">22%</strong></span>，与之相伴的，是我国宠物数量的节节攀高。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.5651238" data-w="929" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pcdL17CjXceiaKkLbtNBrq8jiaCWs4bBtqu1W5OWLNEqRBPN0WvSFFW6xw%2F640%3Fwx_fmt%3Dpng" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" data-type="png"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">宠物数量不断增长的同时，也带来了诸多潜在风险。宠物生病时常会花费极高的费用，同时近年来宠物伤人时间屡见不鲜……但是不同于人有医保，宠物所产生的相关费用都要由宠物主来承担，这导致宠物主要承担的额外经济压力，同时也成为了部分人遗弃宠物、造成城镇之中流浪动物增多的诱因之一。在此情况下，专为这类问题提供保证的宠物医疗险、宠物责任险应运而生。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding: 0px 10px;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">02</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;box-shadow: rgb(0, 0, 0) 0px 0px 0px;border-top: 1px solid rgb(62, 62, 62);border-top-left-radius: 0px;padding: 0px 10px;box-sizing: border-box;"><section style="margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="margin-bottom: -6px;line-height: 1em;padding: 0px 5px;letter-spacing: 1.2px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">国内宠物保险现状</strong></p></section><section style="width: 100%;height: 10px;background-color: rgb(255, 202, 0);box-sizing: border-box;"></section></section></section></section></section></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;"><img class="raw-image" data-ratio="0.668" data-w="1000" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pcVicydhpkeBqAoGCPasM09HUmSeVvOWVa9JwUGttAh5ZxWwQgum1Z5Hg%2F640%3Fwx_fmt%3Djpeg" style="vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;" width="100%" data-type="jpeg"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">数据显示，宠物服务行业消费2018年上半年比2017年下半年增长了82%，发展势头非常强劲。细分来看，国际上宠物保险产品的保险责任按照保障内容来划分主要分为三个类别，分别是<strong style="box-sizing: border-box;">宠物医疗费用保险、宠物第三者责任险、宠物责任险</strong>。但国内宠物保险市场目前尚以第三方责任险为主，其次为宠物医疗保险。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">宠物责任险一般是宠物咬人或者造成他人的财务损失，通过宠物责任险可以进行赔偿，减少主人的损失。宠物医疗险则与人的医疗险类似，当宠物生病时，可通过医疗险进行报销。在国际市场来看，<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">宠物行业发达的国家会有40%-50%的宠物买过保险</strong></span>，由此看来，中国的宠物保险发展潜力巨大。根据狗民网所发布的《2018年中国宠物行业白皮书》中相关调查显示，宠主最期待的宠物医院服务之中，对猫狗宠物保险的需求赫然在列。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.6166495" data-w="973" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pcucReRLGKhQu5CcdybuHUYcOmeUl1LFCSeEjkMe7Dibdv9FKm4ocQOaw%2F640%3Fwx_fmt%3Dpng" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" data-type="png"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">对比国外宠物保险市场的发展轨迹，随着宠物市场逐渐成熟、消费者保险意识的提升我国宠物保险行业存在增长潜力。<strong style="box-sizing: border-box;">世界上第一个签发宠物保险的瑞典，有超过30%的宠物拥有保险，市场规模达24亿元。</strong> 宠物保险不仅开始受到资本关注，创业入局者也开始增加。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.5051125" data-w="978" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pceMn76S0eaeyTia0EwtbSysseGsQeiceH5K3TJNddicmlNQMbmvYjMhBRA%2F640%3Fwx_fmt%3Dpng" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" data-type="png"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">不过冷静来看，据《2018年中国宠物行业白皮书》调查，<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">用户为宠物猫和狗购买保险的比例仅为5%和8%</strong></span>，保险比例明显较低。在对服务期待值的调查之中，虽然有需求存在，但是大部分宠主的关心重点仍旧在宠物健康之上，仅有不到三成的人对宠物保险有意识。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">我国宠物保险市场形成时间不长，用户的消费习惯还有待建立。一项宠物保险购买意愿调查显示，有六成消费者持观望态度，在险种类别上，<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">有超过80%的消费者愿意为宠物购买医疗险</strong></span>，宠物医保市场具有较大的发展潜力。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="text-align: center;margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding: 0px 10px;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">03</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;box-shadow: rgb(0, 0, 0) 0px 0px 0px;border-top: 1px solid rgb(62, 62, 62);border-top-left-radius: 0px;padding: 0px 10px;box-sizing: border-box;"><section style="margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="margin-bottom: -6px;line-height: 1em;padding: 0px 5px;letter-spacing: 1.2px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="letter-spacing: 1.2px;box-sizing: border-box;">宠物保险发展的几大市场基础</strong></p></section><section style="width: 100%;height: 10px;background-color: rgb(255, 202, 0);box-sizing: border-box;"></section></section></section></section></section></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;"><img class="raw-image" data-ratio="0.5734127" data-w="2520" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pc7tJxNtibEnfFos01VwDJCMkE2zS8ZhDTpSibqjHN5F8MNqEaaKQdpOnQ%2F640%3Fwx_fmt%3Djpeg" style="vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;" width="100%" data-type="jpeg"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">目前，我国宠物保有量已居世界第三，但养宠家庭比例仅为6%，远不及美、德、日等国宠物市场渗透率30%以上。伴随着我国宠物行业趋于成熟，家庭养宠率和宠物数量继续提高，宠物需求也将因此持续增长。此外，人口老龄化的趋势滋生的情感需求或将为宠物行业提供新的机会。而在这一背景之下，宠物保险迎来了时代性拐点。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin: 10px 0% 8px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;border-left: 3px solid rgb(255, 202, 0);border-bottom-left-radius: 0px;padding: 0px 0px 0px 8px;background-color: rgb(250, 250, 250);box-sizing: border-box;"><section style="font-size: 15px;letter-spacing: 1.5px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">宠物服务产业链正在兴起</strong></p></section></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">随着宠物市场诞生后人们饲养宠物观念的逐渐普及，并且国人对宠物消费越来越舍得。伴随宠物的生命周期，宠物行业内形成了一条完整的产业链，包括繁育、训练、食品、医疗、美容、保健、保险、殡葬等一系列产品与服务。中国社会少子化情况不断加剧，未来将有更多的人将希望寄托于宠物。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">据数据统计显示：2018年中国60周岁及以上人口24949万人，占比17.9%。65周岁及以上人口16658万人，占比11.9%。宠物常常替代子女陪伴在老人身边。未来十年，我国老龄化进入快速提升阶段，而老年人口有退休金因拥有退休金和一定储蓄。他们更能够保证支持宠物消费。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin: 10px 0% 8px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;border-left: 3px solid rgb(255, 202, 0);border-bottom-left-radius: 0px;padding: 0px 0px 0px 8px;background-color: rgb(250, 250, 250);box-sizing: border-box;"><section style="font-size: 15px;letter-spacing: 1.5px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">宠物消费人群趋向年轻化</strong></p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.443609" data-w="931" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pctpR9HDIjG5z9v4pBRD34nj7HwkuRk9ic9rTylMUFI4y3Lhwn4KCOe7Q%2F640%3Fwx_fmt%3Dpng" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" data-type="png"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">根据相关报告中所披露的数据显示，随着宠物市场消费群体不断年轻化，年轻消费者对宠物服务接受程度高。与此同时年轻一代对于保险的接受程度和保险意识也在不断进步之中，消费也更加日常化。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">同时都市年轻人工作生活节奏较快，生活压力较大，单身比例较高。根据民政部数据，中国内地的“未婚”人口到2015年底已经达到2亿人。单身人口数量庞大，同时，都市单身男女经济相对较好，消费能力强，宠物成为情感和精神的寄托，同时饲养宠物可缓解工作生活压力，养宠的年轻人更愿意为自己的宠物购买高品质产品和服务。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin: 10px 0% 8px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;border-left: 3px solid rgb(255, 202, 0);border-bottom-left-radius: 0px;padding: 0px 0px 0px 8px;background-color: rgb(250, 250, 250);box-sizing: border-box;"><section style="font-size: 15px;letter-spacing: 1.5px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">宠物保险受资本注目、入局者增多</strong></p></section></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">逐年上涨的宠物医疗费用让创业者们看到了商机，他们相信越来越多的人会选择给宠物上保险。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">去年香港成立的初创公司 OneDegree获得 2 亿元港币（约 1.75 亿人民币）融资。这其主营业务就是为宠物提供线上的保险业务。公司创始人发现香港有超过 51 万只宠物狗和宠物猫，但只有 3% 的宠物上了保险，存在着巨大的市场空白。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">据相关统计显示，2018年宠物行业发生超过32起融资事件。其中宠物服务数量占比21.9%，反映出资本对于宠物新兴服务市场的认可。从融资轮次的角度看，<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">2018年宠物行业企业在天使轮和A轮前后获得融资数量最多，分别为11起和12起</strong></span>，可以看出主要集中在偏早期阶段，也说明资本看好本土品牌的前景。例如高瓴资本，就投资了几百家宠物医院，在宠物行业的全产业链进行布局。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">当位于宠物产业链上游的竞争越来越激烈时，越来越多的创业者开始关注位于产业链下游商机，在这之中，宠物保险业务的利润率更高，且远远高于为人类提供保险服务的利润。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">《福布斯》在 2014 年的报道显示，宠物保险公司PetPlan 公司<span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">只有 1/3 的投保人要求索赔，公司营收中只有 60% 被用于支付医疗费用</strong></span>，远低于普通保险公司的 80%到85%，而且 80% 的投保人会续保。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">在这种趋势和背景下，拥有巨大市场空白的宠物保险行业，正成为创业者们关注的创业风口。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;padding: 0px 10px;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">04</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;box-shadow: rgb(0, 0, 0) 0px 0px 0px;border-top: 1px solid rgb(62, 62, 62);border-top-left-radius: 0px;padding: 0px 10px;box-sizing: border-box;"><section style="margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="margin-bottom: -6px;line-height: 1em;padding: 0px 5px;letter-spacing: 1.2px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">现存问题</strong></p></section><section style="width: 100%;height: 10px;background-color: rgb(255, 202, 0);box-sizing: border-box;"></section></section></section></section></section></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">市场研究公司Packaged Facts根据美国宠物健康保险2017年略高于10亿美元的市场，<strong style="box-sizing: border-box;">预估到2022年整个市场将实现翻番，达到20亿美元。</strong>有相关专家指出，宠物保险市场将以每年14%的速度增长，这得益于该市场新兴性和竞争趋势，消费者意识的提高对增长起到了至关重要的作用。这一点对我国也同样适用，不过就目前来看，我国宠物保险领域仍存在几点问题：</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;vertical-align: bottom;box-sizing: border-box;"><section style="transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);background-color: rgb(255, 202, 0);width: 1.6em;height: 1.6em;text-align: center;font-size: 15px;line-height: 1.6em;color: rgb(6, 6, 6);box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">01</strong></p></section><section style="width: 0px;margin-left: auto;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);border-width: 3px;border-style: solid;border-color: rgb(107, 178, 171) transparent transparent rgb(107, 178, 171);box-sizing: border-box;"></section></section><section style="display: inline-block;vertical-align: bottom;margin-left: -6px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;height: 1.6em;line-height: 1.7em;background-color: rgb(240, 240, 240);font-size: 15px;text-align: center;padding-left: 10px;padding-right: 4px;letter-spacing: 1.5px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;"> 风控难</strong></p></section><section style="display: inline-block;vertical-align: middle;width: 0px;border-left: 0.8em solid rgb(240, 240, 240);border-top: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;"></section><section style="clear: both;box-sizing: border-box;"></section></section></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="color: rgb(122, 26, 5);box-sizing: border-box;"><strong style="box-sizing: border-box;">相关经验数据不足，赔付率难以把控。</strong></span>海外宠物保险市场已经发展了几十年，同海外相比，行业缺少相关的经验数据，难以对赔付率进行把控，同时宠物识别技术还不够完善，很可能导致宠物保险服务商承担较高的骗保风险。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">且宠物饲养者以及宠物医疗机构的逆选择风险难以控制。宠物主素质良莠不齐，在道德约束无法获得保证基础上，很可能出现宠主通过虐待动物来骗保，同时保险机构也很难确认宠物医院的收费标准是否合理。我国尚不完善的宠物医疗系统也成为阻碍宠物医疗保险发展的绊脚石。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;vertical-align: bottom;box-sizing: border-box;"><section style="transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);background-color: rgb(255, 202, 0);width: 1.6em;height: 1.6em;text-align: center;font-size: 15px;line-height: 1.6em;color: rgb(6, 6, 6);box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">02</strong></p></section><section style="width: 0px;margin-left: auto;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);border-width: 3px;border-style: solid;border-color: rgb(107, 178, 171) transparent transparent rgb(107, 178, 171);box-sizing: border-box;"></section></section><section style="display: inline-block;vertical-align: bottom;margin-left: -6px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;height: 1.6em;line-height: 1.7em;background-color: rgb(240, 240, 240);font-size: 15px;text-align: center;padding-left: 10px;padding-right: 4px;letter-spacing: 1.5px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">销售渠道限制在互联网之上</strong></p></section><section style="display: inline-block;vertical-align: middle;width: 0px;border-left: 0.8em solid rgb(240, 240, 240);border-top: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;"></section><section style="clear: both;box-sizing: border-box;"></section></section></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">由于其市场份额较小，保险公司并没有对宠物保险进行相应的营销和宣传，仅仅通过互联网自营平台销售难以形成保费规模，但若是通过和第三方渠道合作，获客成本又太高，由于佣金太少，让营销员来进行推广销售也显然并不现实。这也影响了对宠主保险意识的培养。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;vertical-align: bottom;box-sizing: border-box;"><section style="transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);background-color: rgb(255, 202, 0);width: 1.6em;height: 1.6em;text-align: center;font-size: 15px;line-height: 1.6em;color: rgb(6, 6, 6);box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">03</strong></p></section><section style="width: 0px;margin-left: auto;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);border-width: 3px;border-style: solid;border-color: rgb(107, 178, 171) transparent transparent rgb(107, 178, 171);box-sizing: border-box;"></section></section><section style="display: inline-block;vertical-align: bottom;margin-left: -6px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;height: 1.6em;line-height: 1.7em;background-color: rgb(240, 240, 240);font-size: 15px;text-align: center;padding-left: 10px;padding-right: 4px;letter-spacing: 1.5px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">没有统一的法律法规作为依托</strong></p></section><section style="display: inline-block;vertical-align: middle;width: 0px;border-left: 0.8em solid rgb(240, 240, 240);border-top: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;"></section><section style="clear: both;box-sizing: border-box;"></section></section></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">目前国内没有统一的宠物保护法律，只有一些地区性法规。无法可依，势必造成产品设计、渠道搭建、理赔风控等诸多方面的困难。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;vertical-align: bottom;box-sizing: border-box;"><section style="transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);background-color: rgb(255, 202, 0);width: 1.6em;height: 1.6em;text-align: center;font-size: 15px;line-height: 1.6em;color: rgb(6, 6, 6);box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">04</strong></p></section><section style="width: 0px;margin-left: auto;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);border-width: 3px;border-style: solid;border-color: rgb(107, 178, 171) transparent transparent rgb(107, 178, 171);box-sizing: border-box;"></section></section><section style="display: inline-block;vertical-align: bottom;margin-left: -6px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;height: 1.6em;line-height: 1.7em;background-color: rgb(240, 240, 240);font-size: 15px;text-align: center;padding-left: 10px;padding-right: 4px;letter-spacing: 1.5px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">覆盖的动物范围太窄</strong></p></section><section style="display: inline-block;vertical-align: middle;width: 0px;border-left: 0.8em solid rgb(240, 240, 240);border-top: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;"></section><section style="clear: both;box-sizing: border-box;"></section></section></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;box-sizing: border-box;"><img class="raw-image" data-ratio="0.5464286" data-w="2520" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FJze6ib54a8W03OMiaT53r4v9ibkYDcD61pc2l4mibVfjGKTlWjyaJnHnAzccqGVngKMrmIFNarGtzNiciafXs8HNLESA%2F640%3Fwx_fmt%3Djpeg" style="vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;" width="100%" data-type="jpeg"></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">我国宠物保障范围较窄，无法满足宠物主人的投保需求。2017年我国饲养宠物有16%的宠物鱼、10%的仓鼠、9%的乌龟和7%的兔子，类型越来越多元化。但目前我国所有的宠物保险承保对象都仅限于宠物猫和宠物狗。与海外宠物保险公司为鸟类等多种动物种类提供保障相比，我国在这一方面远远不足。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><section style="display: inline-block;vertical-align: bottom;box-sizing: border-box;"><section style="transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);background-color: rgb(255, 202, 0);width: 1.6em;height: 1.6em;text-align: center;font-size: 15px;line-height: 1.6em;color: rgb(6, 6, 6);box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">05</strong></p></section><section style="width: 0px;margin-left: auto;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);border-width: 3px;border-style: solid;border-color: rgb(107, 178, 171) transparent transparent rgb(107, 178, 171);box-sizing: border-box;"></section></section><section style="display: inline-block;vertical-align: bottom;margin-left: -6px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;height: 1.6em;line-height: 1.7em;background-color: rgb(240, 240, 240);font-size: 15px;text-align: center;padding-left: 10px;padding-right: 4px;letter-spacing: 1.5px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">产品噱头大于内容</strong></p></section><section style="display: inline-block;vertical-align: middle;width: 0px;border-left: 0.8em solid rgb(240, 240, 240);border-top: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;"></section><section style="clear: both;box-sizing: border-box;"></section></section></section></section><section style="font-size: 15px;color: rgb(53, 49, 49);line-height: 1.8;letter-spacing: 1.5px;padding: 0px 15px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> </p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">陆金所日前上线的“宠物险”主打AI技术，虽然该产品宣称目前识别成功率在95%以上，宠物猫狗只需“刷脸”便可确认身份，获得相应的医疗理赔服务。但不排除实操时会存在问题的可能性。除了以科技手段作为产品宣传点之外，宠物保险产品覆盖范围不够全面也是一大问题。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">考虑到我国宠物保险刚刚起步，以上问题短期存在也是在所难免。但在大家喊着自己“消费降级”时，宠物们吃得更好了、各方面配套服务业更加“周到”起来，宠物的消费升级态势是有目共睹的。与广阔的宠物市场空间对比来看，根据保观此前了解到的数据，中国有7500万只城镇宠物（宠物猫，宠物犬），目前拥有保险的宠物不到0.2%，预测2022年宠物保险市场（宠物医疗险，宠物行业责任险，宠物重大疾病险，幼犬险等等）规模200亿左右。宠物保险的未来十分值得期待。</p></section></section>
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