Zhong Guo Jing Ying Bao·2025-10-20 08:16Core Insights - The development of inclusive insurance in China is being positively influenced by national policies, but it still faces challenges such as structural mismatches between supply and demand, insufficient commercial sustainability, and adaptability issues in service capabilities [2][4] Group 1: Industry Challenges - Inclusive insurance is in its early stages, with a significant gap between risk demand and supply, estimated at 5.8 trillion yuan, indicating that about 62% of the risk demand remains unmet [4] - The target groups for inclusive insurance often have weak insurance awareness, small asset scales, and low risk resistance capabilities, leading to inadequate risk protection [4] Group 2: Company Initiatives - Ping An Property & Casualty Insurance has provided insurance coverage for 1.61 million small and micro enterprises, amounting to 189 trillion yuan, and has developed over 8,200 products tailored to various industries [2] - The company aims to enhance product pricing models and leverage technology to reduce operational costs, thereby improving the management of insurance services [2][3] Group 3: Recommendations for Development - It is suggested to enhance overall protection levels for inclusive groups through policy guidance, particularly in high-risk sectors like manufacturing and transportation [4] - The establishment of industry-standard insurance clauses for small and micro enterprises is recommended to address the complexity and accessibility issues in purchasing insurance [5]