上海：打造普惠保险民生保障新矩阵

Core Insights - Inclusive insurance plays a crucial role in enhancing social welfare, promoting balanced economic development, and improving living standards in Shanghai [1] Group 1: Market Overview - As of the end of Q1 2025, the "Shanghai Insurance Code" has nearly 1.5 million registered users, generating over 200 million yuan in premiums and providing risk coverage exceeding 500 billion yuan [1] - The Shanghai insurance industry has launched various inclusive insurance projects such as "Huibao," "Hujia Bao," and "Huyebao," focusing on enhancing insurance protection for specific groups [1] Group 2: Pension and Health Insurance - By the end of 2024, Shanghai's personal pension account numbers and contributions are expected to rank among the top in the country, with contributions exceeding 15 billion yuan and over 87,600 insurance products purchased [1] - The "Silver Care" project has maintained a stable premium of 20 yuan while expanding coverage from 2 to 13 items, effectively addressing the insurance needs of 13.6 million elderly individuals [2] Group 3: Product Innovations - The "Hujia Bao" family comprehensive insurance has insured 814,300 households, providing risk coverage of 579.037 billion yuan, with a case settlement rate of 96.44% [3] - The "Huyebao" project has provided risk coverage of nearly 10 billion yuan to around 5,000 small and micro enterprises, with plans to develop a digital platform for inclusive insurance [3] - The newly launched "Huqibao" electric bicycle insurance aims to create a comprehensive risk protection system, offering significant coverage for a low premium [4]