2026年北京普惠家财保升级 已提供风险保障超万亿元

Core Viewpoint - The Beijing Inclusive Home Insurance has launched an upgraded product plan for 2026, introducing two new specialized products, "Cycling Version" and "Farmhouse Version," to enhance its coverage and service offerings for residents in Beijing [1][3]. Group 1: Product Overview - The Beijing Inclusive Home Insurance is the first inclusive home insurance product in Beijing, launched in 2025, which has served over 300,000 households and provided risk coverage exceeding 1 trillion yuan within a year [1][2]. - The 2025 product features a "basic + optional" model, offering coverage for significant risks such as fire, floods, and gas leaks, with a base premium of 128 yuan and a minimum coverage of 3.65 million yuan [2]. - The 2026 upgrade expands the product into three series, maintaining the 128 yuan premium while increasing coverage for multiple properties and enhancing the service package with new options like telecom fraud loss coverage [3][4]. Group 2: New Product Features - The "Cycling Version" offers customized plans ranging from 59 yuan to 299 yuan for electric bicycles, including benefits like free helmets to comply with local regulations [3]. - The "Farmhouse Version" has a premium of 100 yuan, covering the main structure and interior of homes, with a maximum risk coverage of 480,000 yuan, facilitating access to insurance for urban and rural residents [4]. - The integration of earthquake catastrophe insurance for residential properties into the Beijing Inclusive Home Insurance platform aims to provide more convenient services for household property insurance [4].