普惠保险如何从“有”到“好”？

Core Viewpoint - The insurance protection issues for new employment form laborers, exceeding 84 million in China, are increasingly attracting social attention, with regulatory bodies emphasizing the need for tailored insurance products for this demographic [1][3]. Group 1: Current Insurance Products and Market Status - The participation rate of new employment form laborers in commercial medical insurance is 37.2%, indicating that the market is still in its early stages [3][9]. - Major insurance products for this group include "Million Medical Insurance," which covers hospitalization costs up to 1 million yuan, and "Hui Min Bao," a government-guided supplementary medical insurance [3][4]. - The insurance product matrix for new employment form laborers has evolved from a single type to a more diversified offering, including four main categories: basic protection, occupational liability, health protection, and pension protection [4][5]. Group 2: Types of Insurance Products - Basic protection focuses on accident insurance, achieving high coverage rates through platforms like Meituan and Ele.me, with some riders having 100% coverage [4]. - Occupational liability insurance covers third-party losses due to the insured's professional actions, with products like ride-hailing driver liability insurance and domestic service liability insurance [4][5]. - Health protection products include short-term "Million Medical Insurance" and "Hui Min Bao," with nearly 30 such products already covering new employment form laborers [5][6]. - Pension protection relies on social insurance and commercial annuity insurance, but participation rates are low due to the need for long-term contributions [5][6]. Group 3: Challenges and Gaps - The insurance landscape for new employment form laborers is characterized by three gaps: the disparity between product types and income stability, the mismatch between coverage and actual needs, and the high cost of premiums versus economic capability [6][9]. - The current insurance offerings are primarily short-term, with a lack of long-term products that cater to the unique needs of this labor group [6][9]. Group 4: Recommendations for Improvement - To balance low premiums and high coverage, a "five-in-one" inclusive insurance system is recommended, focusing on policy support, product innovation, regulatory collaboration, infrastructure development, and top-level design [7][8]. - Risk management and scenario-based product innovation can help achieve this balance, with a shift from post-incident compensation to pre-incident risk prevention [8][9]. Group 5: Role of Stakeholders - The responsibility for protecting new employment form laborers should be shared among platform enterprises, individuals, and the government, with suggestions for a "third type of laborer" protection model [12][13]. - Recent pilot programs have established alternative injury protection mechanisms for new employment form laborers, with over 10 million participants [13][19]. - The government should enhance policy guidance and financial support to improve insurance uptake among low-income groups [13][14].