普惠保险：供需失衡待解

Core Insights - Inclusive finance is becoming a frequently mentioned term in China's financial sector, with inclusive insurance serving as a key pillar to promote social equity and address diverse needs [1] - The focus of inclusive insurance is shifting from broad coverage to quality enhancement, responding to various demands through policy support and product innovation [1] Group 1: Product Innovation and Coverage - Inclusive insurance is addressing the differentiated protection needs of various groups, including new citizens and the elderly, through innovative products [4] - Specific initiatives include comprehensive insurance plans for new economy workers in Fujian and the establishment of financial insurance service centers in Jiangsu [4] - Insurance companies are also innovating products for chronic disease patients, such as the first guaranteed renewal medical insurance for non-standard populations [5] Group 2: Challenges in the Market - Despite advancements, issues like supply-demand mismatch and structural imbalance remain prominent in inclusive insurance [6] - A significant 62% of risk protection needs are still unmet, with a lack of long-term insurance products for the elderly and chronic patients [6] - The existing products are primarily short-term, leading to a gap in coverage for specific demographics [6] Group 3: Solutions for Sustainability - Addressing the challenges in inclusive insurance requires collaboration among policy, market, and social sectors [8] - Government support through tax incentives and data sharing can help reduce operational costs for insurance companies [8] - Insurance companies need to focus on risk management, operational efficiency, and consumer education to enhance sustainability [8][9]