广覆盖、低保费，普惠保险如何更好保障民生、健康发展？

Core Viewpoint - The insurance industry is actively participating in government-led inclusive insurance projects to provide affordable and accessible insurance services to the public, addressing health and pension needs, thereby enhancing the well-being of the population [1] Group 1: Accessibility of Inclusive Insurance - The "Sui Suikang" insurance in Guangzhou provided nearly 1 million yuan in compensation for a patient with lymphoma, highlighting the importance of affordable insurance options [2] - Inclusive insurance products, such as "惠民保," are characterized by low entry barriers, low premiums, and high coverage, ensuring that more people can access insurance [2] - The focus is on serving previously excluded groups, including the elderly and those with pre-existing conditions, by offering products without restrictions on age or medical history [2][3] Group 2: Affordability of Premiums - Many inclusive insurance products have annual premiums around 200 yuan, with some targeted plans costing less than 50 yuan [4] - Government-backed insurance initiatives further reduce the financial burden on citizens, expanding coverage [4] - The "银龄安康" project in Jiangmen has covered over 128,000 elderly individuals, with total compensation exceeding 116 million yuan since its inception [4] Group 3: Sustainable Operations - The challenge of sustainable development in inclusive insurance arises from the potential exit of healthy individuals, leading to a higher proportion of high-claim policyholders [8] - Strategies to attract and retain healthy policyholders include offering additional services like cancer screenings, which can help reduce overall claims costs [8][9] - Insurance companies are encouraged to enhance their pricing strategies and conduct long-term assessments to ensure the sustainable development of inclusive insurance [9]