中文版

为什么要发展大短险？

随着社会的快速发展，人们对风险保障的需求日益增强，而短期保险产品——大短险，作为一种灵活、高效的保障方式，逐渐受到市场的青睐。本文将探讨为什么要发展大短险，并分析其重要性和优势。

首先，从市场需求的角度来看，大短险能够满足消费者多样化的保障需求。在快节奏的生活中，人们可能面临各种突发风险，如意外伤害、突发疾病等。大短险以其短期、灵活的特性，能够迅速填补保障空白，为消费者提供及时的保障。

其次，从保险公司的角度来看，发展大短险有助于拓展业务渠道、增加保费收入。大短险产品通常保费较低，但购买门槛也相对较低，能够吸引更多消费者购买。同时，大短险的承保周期短，有助于保险公司快速积累保费，提高资金利用效率。

此外，从社会经济发展的角度来看，发展大短险有助于提升社会整体风险承受能力。通过普及大短险，可以推动更多人参与到保险市场中来，提高整个社会的风险分散和抵御能力。这对于维护社会稳定、促进经济发展具有重要意义。

综上所述，发展大短险具有多方面的优势和意义。它不仅能够满足消费者的多样化需求，为保险公司带来业务增长，还能够提升社会整体的风险承受能力。因此，我们应该积极推动大短险的发展，让更多的人享受到保险带来的保障和安心。

英文版

Why Should We Develop Short-term Insurance?

With the rapid development of society, people's demand for risk protection is increasing day by day. Short-term insurance products, known as "big short-term insurance", have gradually gained market favor as a flexible and efficient means of protection. This article will explore the reasons for developing big short-term insurance and analyze its importance and advantages.

Firstly, from the perspective of market demand, big short-term insurance can meet consumers' diversified protection needs. In the fast-paced life, people may face various sudden risks such as accidental injuries and sudden illnesses. Big short-term insurance, with its short-term and flexible nature, can quickly fill the gaps in protection and provide timely coverage for consumers.

Secondly, from the perspective of insurance companies, developing big short-term insurance helps to expand business channels and increase premium income. Although the premiums for big short-term insurance products are usually lower, the purchase threshold is also relatively low, attracting more consumers to purchase. At the same time, the short underwriting cycle of big short-term insurance helps insurance companies to quickly accumulate premiums and improve the efficiency of capital utilization.

Moreover, from the perspective of social and economic development, developing big short-term insurance helps to enhance the overall risk tolerance of society. By popularizing big short-term insurance, more people can be encouraged to participate in the insurance market, improving the overall risk diversification and resilience of society. This is of great significance for maintaining social stability and promoting economic development.

In conclusion, developing big short-term insurance has various advantages and meanings. It not only meets the diversified needs of consumers and brings business growth to insurance companies, but also enhances the overall risk tolerance of society. Therefore, we should actively promote the development of big short-term insurance, allowing more people to enjoy the protection and reassurance brought by insurance.