消费型保险的现状与优劣势分析

消费型保险不同于返还型保险,是一种消费产品,如果在约定的时间内未发生保险事故,保险公司不返还所交保费,这种事前消费的行为与人们对自身低风险的预警习惯相悖,导致了消费型保险产品匮乏、宣传度不高以及人们接受度不高等诸多问题。论文针对这种现象对消费型保险的现状和优劣势进行分析,以提高人们对消费型保险的认识和关注。

Analysis of the Current Situation,Advantages and Disadvantages of Consumer Insurance

Consumer insurance is different from return insurance,which is a consumer product.If no accident occurs within the agreed time,the insurance company will not return the premium paid.This kind of pre-consumption behavior goes against people's habit of early warning of their own low risk,resulting in a lack of consumer insurance products,low publicity and low acceptance by people,and many other problems.In view of this phenomenon,this paper analyzes the current situation,advantages and disadvantages of the consumer insurance so as to improve people's awareness and attention to the consumer insurance.