2026年北京普惠家财保升级发布

Core Insights - Beijing's financial regulatory authority and the Beijing Insurance Industry Association have launched the upgraded 2026 Beijing Inclusive Home Insurance product, expanding its coverage and services while maintaining an affordable premium of 128 yuan [1][2] Group 1: Product Features - The 2026 Beijing Inclusive Home Insurance will expand to three product series, increasing coverage to multiple properties under a household while raising the coverage for high-frequency claims like pipeline leaks by 60% [1] - New high-value services such as pipeline cleaning and appliance cleaning have been added to the "five options" service package, enhancing the product's appeal [1] - Optional coverage for losses due to telecom fraud has been introduced, positioning the product as a leader in the national market for similar offerings [1] Group 2: New Product Variants - The product matrix has been enhanced with the introduction of two specialized products: "Cycling Version" and "Farmhouse Version" [2] - The "Cycling Version" offers customized plans ranging from 59 yuan to 299 yuan for electric bicycles, including a free helmet service package to comply with local regulations [2] - The "Farmhouse Version" has a premium of 100 yuan, covering the main structure and associated facilities of rural homes, allowing up to two policies per household with a maximum coverage of 480,000 yuan [2] Group 3: Accessibility and Integration - The insurance platform has integrated the entry for earthquake catastrophe insurance for urban and rural residents, providing a more convenient service for family property insurance [2] - The 2026 series of products is now open for subscription, with consumers able to access detailed coverage information and purchase online through the official WeChat account [2]