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专家:构建“全周期、广覆盖、可持续”的普惠保险生态
Xin Hua Cai Jing·2025-08-21 06:33

Core Viewpoint - The development of inclusive insurance is expected to transition from "quantity increase" to "quality improvement" during the 14th and 15th Five-Year Plans, focusing on sustainable development and social benefits through improved measurement systems and innovative products [1][4]. Group 1: Policy and Regulatory Framework - The National Financial Regulatory Administration emphasizes the need for top-level design, enriching inclusive insurance products, and stimulating regional vitality to accelerate the development of inclusive insurance [2]. - Upcoming policies will encourage insurance companies to enhance the quality and efficiency of inclusive insurance services while focusing on risk prevention [2][4]. - A clear policy direction has been established at the national level, with specific measures outlined in upcoming guidelines to enhance the inclusive insurance system [4]. Group 2: Market Dynamics and Challenges - Inclusive insurance primarily targets low-income groups, serving approximately 5 billion emerging consumers with daily incomes between $2 and $20, adhering to risk principles and affordability [1]. - The development of inclusive insurance faces challenges due to its upfront service fees, particularly for vulnerable populations, necessitating collaboration among government, commercial insurance, and social forces [4]. - The industry is encouraged to shift from a single product mindset to building an "ecosystem" that fosters a virtuous cycle of demand-driven supply and supply-creating demand [5]. Group 3: Product Innovation and Consumer Engagement - Industry experts discussed the importance of product innovation, cooperation models, and channel expansion to better meet the needs of specific demographics [3]. - The focus should be on claims rather than premiums to assess the effectiveness of inclusive insurance, emphasizing the reach of services over the amount of premiums collected [3]. - Sufficient product supply and respect for consumer choices are crucial for achieving high efficiency in inclusive insurance [3].