应用场景快速扩展，普惠保险加速“席卷”各行各业

Core Viewpoint - Inclusive insurance is increasingly important in enhancing social welfare, promoting balanced economic development, and improving livelihood security, with recent regulatory updates emphasizing its growth and new requirements [1][3]. Group 1: Development and Expansion - Since 2020, low-premium, high-coverage inclusive health insurance has rapidly gained popularity across the country, becoming a phenomenon [3]. - The supply of inclusive insurance services has deepened, with a growing variety of products and an expanding social coverage [3]. - Recent regulatory actions in regions like Hebei and Fujian have focused on supporting the development of inclusive insurance, encouraging state-owned and specialized insurance companies to play a leading role [3][4]. Group 2: Product Innovation - In Shanghai, new inclusive insurance products have been launched, such as "沪骑保" for electric bicycles and "沪儿保" for children's medical needs, showcasing innovation in product offerings [4]. - The government and insurance companies are collaborating to promote inclusive insurance, with a focus on meeting diverse community needs through innovative pricing and services [4]. Group 3: Sustainability Challenges - The challenge of establishing a sustainable development model for inclusive insurance remains a critical issue, as the current scale of products is relatively small, leading to difficulties in pricing and business model exploration [5][6]. - To enhance sustainability, insurance companies are advised to improve product offerings and service quality, incorporating value-added services and robust risk management systems [7]. - Achieving economies of scale is essential for the sustainability of inclusive insurance, as a larger risk pool can stabilize payouts and reduce management costs [8].