Extrapeople insurance tests the market: annual premium of 300 yuan covers accidental injury medical treatment
In recent years, with the booming development of the pet economy, alien pets (such as reptiles, birds, small mammals, etc.) have gradually become the new favorites of urban people. However, unlike traditional cats and dogs, medical care and accident protection for different pets have always been in a market gap. Recently, many insurance companies have tried the field of exotic pet insurance and launched accidental injury medical insurance products with an annual premium of only 300 yuan, which has attracted widespread attention.
1. Market background: The rise of the foreign pet economy, ensuring the surge in demand
According to the "2023 China Pet Consumption Trend Report", the proportion of people with different pets has increased from 8% in 2019 to 15% in 2023, and the market size has exceeded 10 billion yuan. However, medical resources for different pets are scarce and expensive. The cost of a regular diagnosis and treatment can reach more than 1,000 yuan, and the cost of accidental injury treatment is even more difficult to estimate. The following are the hotly discussed topics on the Internet in the past 10 days:
| Topic keywords | Discussions (10,000 times) | Main focus |
|---|---|---|
| Extrapeople Medical | 12.5 | High cost, few hospitals |
| Extra pet insurance | 8.3 | Product coverage, claims process |
| Risk of feeding of pets | 6.7 | Accidental injury, disease prevention |
2. Product analysis: Annual fee of 300 yuan, covering accidental medical treatment
The current trial of the exotic pet insurance products mainly target medical expenses for accidental injuries, with annual premiums concentrated in the range of 300-500 yuan. Taking the "Spread Pet Insurance" launched by a company as an example, the protection content is as follows:
| Guarantee Project | Insurance amount (yuan) | Deductible (yuan) |
|---|---|---|
| Accidental injury medical | 5000 | 200 |
| Cost of accidental surgery | 3000 | 500 |
| Third party liability insurance | 10000 | none |
It is worth noting that the product has restrictions on the types of pes, and currently only covers it.lizard,birds,HamsterCommon categories such as those with legal breeding certificates.
3. User feedback: The cost-effectiveness is recognized, and the claim process is to be optimized.
Social media surveys show that 73% of the owners of strange pets believe that insurance is "necessary", but some users expressed concerns about the claims threshold and the number of designated hospitals. The following are the voting results of users on a certain platform:
| Focus on dimensions | Satisfaction (out of 5 points) |
|---|---|
| Premium Price | 4.2 |
| Scope of protection | 3.8 |
| Claims efficiency | 3.1 |
4. Industry Outlook: Great potential for market segmentation
Industry insiders pointed out that if the exception pet insurance can be solvedMedical ResourcesThe market size may reach 2 billion yuan in the next three years due to matching and standardization issues. In the next step, the insurance company plans to jointly develop a "Health Management + Insurance" package with Yipeng Hospital to further reduce risk costs.
For breeders, they need to read the terms carefully before taking out insurance, focusing on the "Disclaimer List" and the "Hospital Cooperation Network". After all, the health and safety of pets not only require insurance coverage, but also rely on scientific feeding and prevention.
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