Zhong Guo Xin Wen Wang·2025-12-12 08:10Core Viewpoint - The insurance industry in Chongqing is transforming from a reactive compensation model to a proactive service model, focusing on risk prevention and tailored solutions to enhance both public welfare and industrial development [1][8]. Group 1: Insurance as a "Buffer" for Livelihood - A low-cost accident insurance for the elderly, costing only 50 yuan, provides a coverage of 6,000 yuan for medical expenses, demonstrating the industry's commitment to supporting senior citizens [2]. - The insurance has already covered over 25,000 individuals, providing a total risk coverage of 1.58 billion yuan by September 2025 [2]. - New employment sectors, such as delivery and ride-sharing, have been provided with specialized insurance, covering 120,000 workers and resulting in over 4,300 claims amounting to more than 50 million yuan since 2023 [3]. Group 2: Insurance as an "Anchor" for Industry - Customized insurance solutions for businesses, such as food safety and employee accident insurance, have provided over 100 million yuan in risk coverage for companies like Sanhui Catering Culture Co., Ltd [4]. - The insurance industry is actively involved in risk management, offering services like safety training and hazard inspections alongside traditional coverage [4]. - A new insurance product for autonomous vehicles has been launched, enhancing claims efficiency through an integrated solution for liability determination [5]. Group 3: Safety as a "Firewall" for Risk Prevention - The insurance sector is shifting towards preventive measures, such as the "Red and Green Light" initiative, which has reduced accident rates by 50% in high-risk areas through infrastructure improvements [7]. - Risk reduction services have been implemented in tourist areas, providing 40 million yuan in risk coverage and enhancing safety through various precautionary measures [7]. - The insurance industry is increasingly seen as a proactive player in community safety, offering solutions that go beyond mere compensation [8].