众惠相互李静：普惠保险需要“长久守护者”，以坚持回应真实的需求

Group 1 - The core theme of the forum is how inclusive finance can move out of the "red sea" and assist in creating a "new blue ocean" for consumption [1] - The China Banking and Insurance Regulatory Commission will release guidelines in 2024 to promote high-quality development of inclusive insurance, emphasizing the responsibility of insurance companies to support social welfare [1] - The mutual insurance model, exemplified by Zhonghui Mutual Insurance, shows strong resilience during industry transformation, focusing on providing accessible and affordable insurance services, particularly for vulnerable groups [1] Group 2 - There are over 20 million truck drivers in China, facing high risks, particularly from accidents, with inadequate risk coverage [2] - Zhonghui Mutual Insurance has focused on providing risk management for underinsured groups like truck drivers since its establishment in 2017, collaborating with leading platforms to enhance risk protection services [2] - The company has launched medical and accident insurance products for truck drivers and their families, reaching over a million participants and impacting more than ten million in the freight industry [2] Group 3 - Technological advancements are crucial for the development of mutual insurance, enabling precise and efficient risk management [3] - Innovations in mobile internet and big data are facilitating the spread of high-value insurance products, enhancing coverage and fostering long-term trust with clients [3] - Zhonghui Mutual Insurance is developing health management solutions for specific patient groups, such as liver disease patients, integrating online and offline health services to reduce risks [3]