Core Insights - The development of inclusive insurance in China is accelerating due to policy guidance, market innovation, and technological empowerment, aiming to provide significant protection with low premiums for the population [1][3] - Achieving high-quality and sustainable development is a critical question for inclusive insurance [2] Policy Framework - As of the end of 2024, over 95% coverage rates for basic medical and pension insurance have been achieved, yet there are still over 290 million flexible employment individuals and 267 million seniors facing personalized risks [3] - In 2024, the Financial Regulatory Bureau issued guidelines to define the scope and key service areas of inclusive insurance, followed by a joint implementation plan in 2025 to enhance the service capabilities of the banking and insurance sectors [3] Local Initiatives - Local policies are being implemented, such as the Shanxi province's insurance project for individual businesses and Shenzhen's comprehensive protection plan for new employment forms, enhancing risk resilience [4] - By 2024, inclusive supplementary medical insurance ("Hui Min Bao") is expected to cover over 100 million people, while agricultural insurance will provide risk protection exceeding 5 trillion yuan for 150 million farmers [4] Challenges in Development - Despite significant progress, inclusive insurance is still in its early stages, with 62% of risk protection needs unmet [6][7] - Key challenges include structural mismatches between supply and demand, sustainability versus inclusivity, and service capability gaps, particularly in rural areas [7] Misconceptions and Market Dynamics - There is a misconception that inclusive insurance is purely a public service, neglecting its commercial attributes necessary for sustainable development [8] - The industry must avoid reckless development and competition under the guise of inclusivity [8] Strategies for High-Quality Development - Experts suggest a multi-dimensional approach to enhance the quality of inclusive insurance, focusing on policy, market, and technology collaboration [9][10] - Recommendations include refining the regulatory framework, promoting product-service integration, and leveraging digital transformation to address service gaps [10] Integration with Social Governance - Innovative models like "Rural Revitalization Insurance" and "New Citizen Assurance" are integrating insurance with social governance, enhancing community support and stability [11]
普惠保险如何 创新破局迈向高质量发展
Jin Rong Shi Bao·2025-08-27 01:56