广东国寿惠民保三年赔付15.92亿 打造湾区普惠保险样本｜保险调研

Core Insights - Inclusive finance, particularly inclusive insurance, is crucial for providing affordable financial services to vulnerable groups such as small businesses, farmers, and low-income urban residents, significantly impacting millions of lives in China [1][2][3] - Guangdong Province, as a leader in economic development, has seen significant advancements in inclusive insurance, with China Life Insurance's Guangdong branch providing extensive coverage and innovative products [1][5][7] Summary by Sections Inclusive Finance and Insurance Development - The need for inclusive insurance arises from the "protection gap," where low-income individuals often forgo insurance due to budget constraints or lack of understanding [2] - The Chinese government has emphasized the importance of inclusive finance since 2015, with recent policies focusing on high-quality development in inclusive insurance, particularly in agriculture, personal insurance, and pension insurance [2][3] Implementation and Achievements - China Life Insurance's Guangdong branch has developed a systematic approach to inclusive insurance, targeting diverse groups such as the elderly, new residents, and small businesses [4][5] - In 2024, Guangdong Life achieved total premiums of 648 billion yuan, providing insurance coverage of 26.66 trillion yuan to over 1 billion clients, with significant payouts across various demographics [5][6] Product Offerings and Impact - The city-customized commercial health insurance, known as "惠民保," has provided coverage to over 35 million people in Guangdong, with total payouts reaching 1.592 billion yuan [7][8] - The "大爱无疆" project in Zhuhai has seen substantial participation, with 590,000 insured individuals and payouts of 774 million yuan, demonstrating the effectiveness of inclusive insurance products [7][8] Health Management Integration - The "爱健康" initiative under the "大爱无疆" project has integrated health management services, leading to early detection and treatment of serious health conditions, saving approximately 42 million yuan in healthcare costs [8] - Various other inclusive insurance initiatives have been launched, targeting specific demographics such as the elderly and women, further enhancing the reach and impact of inclusive finance [8]