Online insurance is gaining popularity in China, driven by an increasing number of young people looking to cover themselves using quick, low-cost, social media-powered apps, according to a new industry report.

一份新的行业报告显示，由于越来越多的年轻人希望通过快速、低价、基于社交媒体的应用程序来投保，在线投保在中国正变得越来越受欢迎。

The survey by WeSure, an online insurance portal backed by tech conglomerate¹ Tencent Holdings Ltd, finds young people have become the main buyers of online insurance.

由腾讯控股有限公司支持的在线保险门户网站微保开展的这项调查发现，年轻人已成为在线保险的主要买家。

Among those surveyed, 80 percent of online insurance applicants² were born in the 1980s and 1990s, and more than a third, 36.4 percent, were aged under 24.

在接受调查的人群中，80%的网上投保者是80后和90后，超过三分之一（36.4%）的人年龄在24岁以下。

Liu Jiaming, executive director and CEO of WeSure, noted³ that young consumers grew up with the internet and so would be more comfortable with shopping online.

微保执行董事兼CEO刘家明指出，年轻的消费者是伴随着互联网成长的，因此会更喜欢在网上购物。

"Young people will be the future driving force as they have a greater awareness⁴ of online insurance," he said.

他表示：“年轻人将成为未来的驱动力，因为他们对网上投保有更多的认识。”

报告显示 在线投保在中国年轻人中越来越受欢迎

WeSure was set up in 2017 to supplement Tencent's efforts in the insurance sector⁵. Since then, it has been fueling innovation in the traditional insurance sector with its technology, products and services.

微保于2017年成立，以填补腾讯公司在保险领域的空白。从那时起，它就以其技术、产品和服务推动了传统保险行业的创新。

By the end of November, WeSure had become Wechat's most popular insurance mini program -- a program that runs inside the Wechat app -- with 20 million active users per month.

到11月底，微保已经成为微信上最受欢迎的小程序（微信内可运行的程序），每月活跃用户达2000万。

With an aim of making insurance accessible to everyone, Liu said that the platform has lowered the price as much as possible. Applicants pay a minimum of 5 yuan (70 cent) per month to buy insurance topping 500,000 yuan.

刘家明表示，为了让每个人都买得起保险，微保平台已尽可能的降低了价格。投保人每月仅支付5元（约70美分）就可以购买高达50万元的保险。

"During this process, technology is an important part of business -- epitomized by the fact that 70 percent of customer service is provided by artificial intelligence. Such a technology-oriented process drives efficiency to a great extent. Up to 80 percent of users of WeSure can get their compensation within a day," said Liu.

他说：“在这个过程中，技术是这种商业模式下最重要的一部分--70%的客户服务都是由人工智能完成的。这种以技术为导向的过程极大地提高了效率，高达80%的微保用户可以在一天内完成理赔。”