北京：保险深度和密度 保持全国第一

Core Insights - Beijing's insurance industry has shown significant growth in asset scale, service efficiency, and public welfare, maintaining the highest insurance depth and density in the country [1] Group 1: Industry Growth and Performance - As of Q3 2025, the total assets of the insurance industry in Beijing reached 2.3 trillion yuan, an increase of 1.1 times compared to the end of the 13th Five-Year Plan [1] - The insurance depth in Beijing is projected to be 7.12% in 2024, exceeding the national average by 2.9 percentage points, while the insurance density is 16,000 yuan per person, four times the national level [1] - The comprehensive solvency adequacy ratio of insurance companies in the region is 165.7%, surpassing the national average by 31.3 percentage points [1] - The combined expense ratios for property and life insurance have decreased by 9.8 and 7 percentage points, respectively, since the end of the 13th Five-Year Plan, indicating successful cost reduction and efficiency improvements [1] Group 2: Social Welfare Initiatives - Personal pension contributions in the region exceeded 22.31 billion yuan, with specialized commercial pension products totaling over 59.4 billion yuan, ranking among the top in pilot cities [2] - The "Beijing Inclusive Health Insurance" program has enrolled over 17 million participants since its launch four years ago, with an 80% renewal rate for 2025, providing coverage of up to 3.5 million yuan [2] - The "Beijing Inclusive Home Insurance" has insured 258,000 households within its first year [2] Group 3: Innovations and Future Plans - The "Beijing Inclusive Health Insurance" will see enhancements in 2026, including a reduction in the deductible from 30,400 yuan to 15,000 yuan and an expansion of the list of covered innovative drugs to 159 [3] - The reimbursement rate for special drugs will increase by 5 percentage points for both healthy individuals and those with pre-existing conditions, reaching 65% and 35%, respectively [3] - The sales period for the insurance will be extended to allow for year-round enrollment, enhancing accessibility for potential participants [3] - As of November 21, 2024, the total number of participants in the "Beijing Inclusive Health Insurance" reached 2.314 million, an increase of 373,000 from the same period in 2023, reflecting a growth rate of 19.2% [3]