2026年北京普惠家财保焕新升级发布 保障更全覆盖更广服务更优

Core Viewpoint - The Beijing Inclusive Home Insurance has been upgraded for 2026, expanding its coverage and services to better protect residents in the capital, with a focus on affordability and comprehensive risk management [1][2]. Group 1: Product Features - The 2026 upgrade introduces three series of products, maintaining a base premium of 128 yuan while expanding coverage to multiple properties under a household [2]. - The insurance now includes enhanced coverage for high-frequency risks such as pipeline leakage, increasing the coverage amount by 60% [2]. - New optional coverages include protection against telecom fraud losses, further enhancing the product's competitiveness in the market [2]. Group 2: New Product Offerings - Two new specialized products, "Cycling Version" and "Farmhouse Version," have been added, with the Cycling Version offering customizable plans ranging from 59 yuan to 299 yuan for electric bicycles [3]. - The Farmhouse Version, priced at 100 yuan, covers the main structure and associated facilities of rural homes, allowing for up to 48,000 yuan in risk coverage [3]. - The integration of earthquake disaster insurance into the platform aims to provide more convenient access to comprehensive home insurance for residents [3]. Group 3: Risk Management and Community Engagement - The initiative has served over 300,000 households in Beijing, providing risk coverage exceeding 1 trillion yuan and conducting extensive community education on disaster preparedness [2]. - A new "Family Risk Reduction Smart Management System" has been launched to enhance disaster identification and intervention through data integration [3]. - The system aims to support urban safety governance by providing data for traffic optimization and property safety inspections [3]. Group 4: Accessibility and Consumer Engagement - The 2026 series of products is now open for enrollment, with consumers able to access detailed information and purchase insurance through the official WeChat account [4].