19.晚10点后年轻人偷偷买保险？聊聊当代职场的自我保护学
卫诗婕｜商业漫谈Jane's talk
Deep Dive
Why do young people tend to buy insurance after 10 PM?
Young people often buy insurance late at night due to increased health concerns after long hours of overtime work. A survey by Alipay and Maimai found that many users purchase health insurance during this time, with some buying multiple policies. This behavior reflects heightened anxiety about health risks and the need for security amidst a demanding work culture.
What is the relationship between income and health anxiety among young professionals?
Higher income correlates with increased health anxiety. The survey revealed that individuals earning over 300,000 RMB annually experience a significant rise in health issues like nodules, cervical spondylosis, and hair loss. This group also tends to undergo more frequent health checkups and purchases more insurance, indicating a heightened awareness of health risks as income grows.
Why is the age group of 30-35 particularly anxious about health?
The 30-35 age group faces heightened health anxiety due to major life changes such as marriage, parenthood, and increased responsibilities as family breadwinners. This demographic often feels the pressure of supporting both aging parents and young children, leading to greater concerns about health and financial security.
What are the most common health issues among high-income earners?
High-income earners frequently report health issues such as nodules (thyroid, breast, and lung), cervical spondylosis, and hair loss. These conditions are often linked to stress, long working hours, and poor lifestyle habits, which are common in demanding professional environments.
How does Alipay make insurance more accessible to young people?
Alipay offers affordable and accessible insurance products through its platform, such as the 'Good Health Insurance' plan, which provides millions of RMB in coverage for as little as a few hundred RMB annually. This low-cost, high-leverage approach makes insurance more attainable for young people, especially those in lower-tier cities.
What is the significance of the term 'thirty extinguishes life' in the context of the survey?
The term 'thirty extinguishes life' highlights the intense health and career anxieties faced by individuals aged 30-35. This age group often feels the pressure of being at a crossroads in life, balancing career growth, family responsibilities, and personal health, leading to heightened stress and a sense of urgency to secure their future.
Why do young people fear they won't be able to work until retirement?
Many young people doubt their ability to work until retirement due to concerns about declining health and the impact of delayed retirement policies. Over 50% of survey respondents expressed uncertainty about their ability to maintain their health and productivity as they age, reflecting broader anxieties about long-term career sustainability.
What types of insurance are most relevant for young professionals?
Young professionals often prioritize health insurance, including medical and critical illness insurance, to cover unexpected health issues. Medical insurance supplements public healthcare by covering additional expenses, while critical illness insurance provides lump-sum payouts for severe conditions, offering financial security during recovery.
How does Alipay's 'Good Health Insurance' work?
Alipay's 'Good Health Insurance' is a medical insurance product that covers expenses beyond public healthcare, such as advanced treatments and medications. It offers affordable premiums and high coverage limits, making it a popular choice among young people. The plan also allows for long-term coverage, providing peace of mind for policyholders.
What innovative insurance products has Alipay introduced?
Alipay has introduced innovative insurance products like pet insurance, which uses AI to identify pets through nose prints, and anti-fraud insurance, which protects against financial losses from scams. These products cater to emerging needs and leverage Alipay's technological capabilities to offer unique solutions.
- 30-35岁年轻人焦虑感最强
- 收入越高，健康焦虑越强，30万年薪成分水岭
- 加班熬夜与购买保险成正比
- 高发疾病：甲状腺结节、颈椎病、脱发
Shownotes Transcript
当代年轻人一边加班，一边在深夜偷偷买保险。
第一次看见这个调研结论时，我吃了一惊。不久前，支付宝联合脉脉平台调研了 2009 名职场人，发布了一份与职场健康相关的报告，其中写道，通过端内观察，年轻人不约而同在晚10点之后，在支付宝上查询并购买健康保险——大量用户甚至不止购买了一份。
年轻人加班熬夜越凶，保险就买得越多。这份保险热背后，还隐藏着大量的职场真相和时代焦虑。
这是一个心酸的话题，但也是一期实用的话题。当我们身处一个不确定性增强的时代，如何在职场中保护自己？如何为自己科学配置风险保障？更重要的，我们该如何用一种更健康的姿态，迎接我们的工作与生活？
本期嘉宾： 叶文添、张洁（支付宝蚂蚁保业务负责人）
本期 Shownotes：
02:43 「嘴硬心软」：年轻人在晚10点后偷偷买保险
07:24 收入越高，体检越频，「体检完了就去买保险」
09:03 「年收入超 30 万，结节率飙升」
09:54 为什么年收入 30 万是道坎？
12:58 经济发展的副产品：过早到来的脱发和结节
14:18 中年危机提前了？30 岁成为一个卡点
15:22 59 岁才进入中年期，「30 岁正是黄金时代！」
16:10 脆皮的流行，年轻人的有声反抗
16:57 「我是我们部门最快乐的人」
18:44 「卷王没有未来」：不要用错了方式努力
20:28 延迟退休带来的焦虑：超五成年轻人担心自己无法工作到退休
22:57 健康险在中国，年底销售额将突破万亿
23:40 医疗险？重疾险？——保险分成哪几类？如何科学配置？
29:51 保险不是买过就行，选择期限很重要
32:20 低价格、高杠杆：蚂蚁保如何做到保险普惠？
33:22 宠物险：用支付宝的 AI 技术读小狗鼻纹，宠物看病不愁啦！
34:47 电诈险：老人和大学生，为两大重灾群体护航
36:53 买完保险忘了？用支付宝支付医药，自动弹窗跳出理赔入口
41:32 「互联网+」，究竟怎么加？
45:05 从「赏月险」，退回到最核心、务实的保障
47:50 8 年的漫长科普：对抗幸存者偏差
51:30 买黄金、租车、租无人机：支付宝如何捕捉年轻一代的思潮趋势
53:58 实用话题收尾：保险怎么买？两位嘉宾各自配置了哪些？
56:08 乳腺癌晚期的同事：「公司的医疗险是她唯一的救命稻草」
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