破解普惠保险“不可能三角”，大咖来支招！

Core Viewpoint - Inclusive insurance is becoming increasingly important in China's multi-level social security system and is a key tool for achieving common prosperity [1][2] Group 1: Product Development - Inclusive insurance products have expanded from agricultural and critical illness insurance to include urban customized commercial medical insurance ("Hui Min Bao"), inclusive family property insurance, and more [1][2] - The service targets of inclusive insurance now encompass small and micro enterprises, the elderly, farmers, new citizens, low-income populations, and people with disabilities [2] - Despite being the second-largest insurance market globally, China still lags behind the world average in insurance depth and density [2] Group 2: Challenges and Opportunities - Current challenges for inclusive insurance include a lack of indicator systems, single innovation models, and insufficient sustainability [1][2] - Public awareness and trust in inclusive insurance need to be strengthened, and the precision and accessibility of certain products and services require improvement [2] - The balance between low premium levels, high coverage, and profitability for insurance companies is difficult to achieve [2][3] Group 3: Sustainable Development - Experts agree that maintaining the commercial nature of inclusive insurance is essential for sustainable development, requiring scientific pricing and effective risk management [3][4] - Recommendations include enhancing product supply, increasing service coverage and affordability, and allowing consumers to make informed choices through market behavior [3][4] - Government involvement is crucial in the early stages of inclusive insurance development, with a collaborative effort needed from government, commercial insurance, and social forces [3][4] Group 4: Regulatory Measures - Future regulatory efforts will focus on encouraging insurance companies to diversify inclusive insurance products and improve service quality through data utilization and risk prevention [5] - Emphasizing a people-centered approach and fostering innovation and collaboration will drive high-quality development in inclusive insurance [5]