目前,12个亚洲市场的总体死亡保障缺口已达41万亿美元,年平均增长率为10%。在中国,人们对保险的认知存在严重缺失,保障观念薄弱、保额严重不足是其中最为常见的问题之一。据友邦中国2010年理赔数据显示,约有80%的重疾赔付金额处在6万元以下的较低额度,而卫生部2008年数据显 At present, the overall death penalty gap in 12 Asian markets has reached 41 trillion U.S. dollars with an average annual growth rate of 10%. In China, there is a serious lack of awareness of insurance, and one of the most common problems is the poor protection of the concept and the serious shortage of insurance coverage. According to AIA China 2010 claims data show that about 80% of the disability compensation amount is less than 60,000 yuan in the lower limit, and the Ministry of Health in 2008 was significantly