上海打造普惠金融民生保障“新矩阵”

Core Insights - The Shanghai insurance industry is focusing on inclusive insurance as a key component of inclusive finance, aiming to enhance social welfare and economic balance while improving public life security [1][2] Group 1: Inclusive Insurance Development - The "Huhui Bao" program has provided medical coverage for nearly 27 million people, with total claims reaching 2.2 billion yuan, benefiting over 250,000 individuals [1] - The 2025 version of "Huhui Bao" launched on April 22, achieving over 4 million policies sold on the first day, with a participation rate exceeding 20% [1] - New products like "Huhui Bao - Specific Disease Insurance" have been introduced to meet diverse public insurance needs [1] Group 2: Targeted Insurance Products - The Shanghai insurance sector has launched innovative products such as "Huer Bao" for children's outpatient and inpatient coverage, "Hubu Bao" for advanced medical treatments, and "Huli Bao" focusing on nursing services [2] - The "Yinfawuyou" project, designed for the elderly, has maintained a premium of 20 yuan since 2006 while expanding coverage from 2 to 13 items, reaching 13.6 million elderly individuals [2] Group 3: Personal Pension Services - The industry is expanding personal pension services, with over 15 billion yuan in contributions and 8.76 million insurance products purchased, generating over 1.4 billion yuan in premium income [3] - The focus is on creating a holistic "insurance + service + ecosystem" model to enhance the quality of life for citizens [3] Group 4: Property Insurance Innovations - The "Hujia Bao" family comprehensive insurance product was launched in 2023, tailored for urban residents, with a 2.0 version set to enhance services and coverage [3] - The "Huyebao" product, aimed at small and micro enterprises, offers specialized insurance solutions for sectors like education, sports, and culture [4]