市场总量是做起来了，但是整个市场秩序仍有待规范

其实之所以出现这种情况是因为大家对产品的理解有欠缺，一心都盯在投资上，或者拼某一指标上，而忘记了保险的保障功能。大家对于保障的意识缺乏也是一个关键点。

学习学习

个人觉得现在这些创新险种恰好反映出市场上客户或者保险公司经营者对于保险本身的一种误读，保险和赌博的是有本质差异的。保险发展的本质在于其帮助客户和社会有效分散风险，而并非以小博大。

的确是有一点点哗众取宠的嫌疑，不过这也不是什么新鲜事了，国外还有外星人绑架险呢。
从另外一个角度看，让保险时不时上上头条，增加点公众的保险意识，也是好事呀。

保险保的是什么了？

保的是风险，不过风险的定义太泛了

保险行业需要更多人才。。。

你的意思是保险品种多种多样

没有细分市场，定准需求，而且博眼球搞噱头，好好的行业搞偏了

目前保险产品，
无论是 寿险 还是 产险，
层出不穷啊，
但是 差异性/区分度 & 实用性
还是真的是值得探讨。

围观一下

一直不明白 精算在博彩业都能干什么

谢谢分享~

还没有弄明白怎么回事

不完全同意，比如酒驾险，不是鼓励别人酒驾么？酒驾是犯罪，不如推出一个犯罪险好了。。。

关于保险，精算第一课就是介绍Insurability。以下是我为理论考试准备的notes..大家感受下。
Insurability
1.        Fortuitous loss (consider moral hazard)
o        Individual losses must occur at random
o        Individual must not have an incentive to cause a loss
        Principle of insurable interest and indemnity – if the insured profits from the loss, they have incentive to cause it
o        Insurance product design should not encourage moral hazard
o        E.g. business risks, launch of new products are not insurable
2.        Assessable cost (frequency & magnitude of expected loss)
o        Very low probability  not enough experience for sound assessment
        May become insurable with a worldwide reinsurer (cost of reinsurance is known) e.g. catastrophes
o        Less of a problem if potential cost is low – can charge an adequate and affordable premium even if relative uncertainty is high
o        E.g. war risk not insurable – expected cost can’t be assessed
o        E.g. blanket cover professional indemnity policy covering a range of professions  nature of risks very broad, ill-defined in the subset to be covered  expected cost can’t be assessed
3.        Definable loss
o        Can determine whether a loss has occurred
o        Loss must be measurable
        E.g. sentimental value not insurable
o        If loss can be defined but can’t be measured, an agreed sum insured may be appropriate
o        E.g. sentimental value is not measurable
4.        Affordable premium
o        Objective threshold – if claim frequency is high, may be cheaper for the insured to improve risk management and retain / self-insure
o        Subjective threshold – public may have unrealistic perception that risk is lower than it actually is
        E.g. flood insurance in flood plains – customer may see actual risk premium as being too high
5.        Not excessive exposure to loss
o        Consider accumulations (concentration) of risk
o        Cover limits
6.        Not against public interest
o        E.g. insurance covering criminal activities

中国保险市场还是需要有这些噱头来刺激消费者，不论销量如何，但是能从另一角度让大众关注保险公司，不失为一个好处。

创新不能一棍子打死，在目前各家保险公司“触网”阶段应该还是以鼓励为主，但是ZF的底限看来是碰不得的

Good