北京普惠家财保升级 新增“骑行版”和“农房版”特色专属产品

Core Insights - The Beijing Inclusive Home Insurance product was launched in 2025 and has served over 300,000 households in Beijing, providing risk coverage exceeding 1 trillion yuan [3] - The product features a "basic + optional" model, covering significant risks such as fire, floods, and gas leaks, while allowing consumers to choose additional coverage options [3][4] - The 2026 upgrade will expand the product into three series, enhancing coverage and service quality for residents in the capital [3][4] Product Features - The basic premium for the Beijing Inclusive Home Insurance remains at 128 yuan, with a minimum coverage amount of 3.65 million yuan [3] - New features include income loss insurance for new residents, offering up to 10,000 yuan in coverage, and a carbon reduction insurance mechanism allowing policyholders to exchange 30 kg of carbon reduction for 300,000 yuan in accident insurance [3] - The "Home Version" will expand coverage to multiple properties and increase the coverage for high-frequency risks like pipeline leaks by 60% [4] New Product Offerings - The "Cycling Version" offers customized plans ranging from 59 to 299 yuan for electric bicycles, including free helmet services to comply with local regulations [5] - The "Farmhouse Version" has a premium of 100 yuan, covering the main structure and interior property, with a maximum coverage of 480,000 yuan [5] - A new "Family Risk Reduction Smart Management System" has been launched to enhance risk identification and intervention through data integration [5]