The boom in niche1 insurance products available for purchase online in China has some industry experts worried, reports Xinhua News Agency.

新华社报道，国内网上可购买的利基保险产品市场的繁荣引起业内专家的担忧。

Adventurous2 eaters can buy a policy for 9 yuan (around 1.40 U.S. dollars) that pays out up to 1,000 yuan a year for medical expenses if the policy holder3 gets acute food-related gastroenteritis.

Another policy offers a payout of up to 2,000 yuan for accidental injuries that occur within a period of up to three months, with policies available for less than 1 yuan.

Other products offer returns to pay vet4 bills for sick pets, broken phone screens, and cosmetic5 surgery accidents.

Around 12.5 billion online insurance products were bought in China last year, twice the number of sales made in 2016. Among which accident insurance sales experienced a five-fold increase, with the number of policies sold rising to 1.6 billion. And liability insurance products had a more than four-fold increase, with over 1 billion policies sold.

The boom in public interest in insurance products has led various Chinese Internet giants to join in the competition for customers, including Alibaba, Tencent, Baidu, and JD.com.

According to Chen Jin, CEO of China’s Zhongan Insurance, the spread of the Internet is leading to positive change in the insurance industry, bringing growing opportunities for sales of personalized insurance products.

英语网址大全

1 niche XGjxH
n.壁龛；合适的职务(环境、位置等)
参考例句：
Madeleine placed it carefully in the rocky niche. 玛德琳小心翼翼地把它放在岩石壁龛里。
The really talented among women would always make their own niche.妇女中真正有才能的人总是各得其所。
2 adventurous LKryn
adj.爱冒险的；惊心动魄的，惊险的，刺激的
参考例句：
I was filled with envy at their adventurous lifestyle.我很羨慕他们敢于冒险的生活方式。
He was predestined to lead an adventurous life.他注定要过冒险的生活。
3 holder wc4xq
n.持有者，占有者；(台，架等)支持物
参考例句：
The holder of the office of chairman is reponsible for arranging meetings.担任主席职位的人负责安排会议。
That runner is the holder of the world record for the hundred-yard dash.那位运动员是一百码赛跑世界纪录的保持者。
4 vet 2HfyG
n.兽医，退役军人；vt.检查
参考例句：
I took my dog to the vet.我把狗带到兽医诊所看病。
Someone should vet this report before it goes out.这篇报道发表之前应该有人对它进行详查。
5 cosmetic qYgz2
n.化妆品；adj.化妆用的；装门面的；装饰性的
参考例句：
These changes are purely cosmetic.这些改变纯粹是装饰门面。
Laughter is the best cosmetic,so grin and wear it!微笑是最好的化妆品，所以请尽情微笑吧！

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