海保人寿：拥抱自贸港金融开放新机遇 走好差异化发展之路

Core Viewpoint - Haibao Life Insurance, established in 2018, has rapidly grown by leveraging the unique advantages of Hainan's Free Trade Port, achieving a premium growth rate of 39.8% in 2025, and demonstrating the potential for high-quality development in the insurance industry [1][4]. Group 1: Business Performance - In 2025, Haibao Life's new premium income reached 486 million yuan, a year-on-year increase of 79% [3][4]. - The company achieved a financial income of 293 million yuan with a financial return rate of 4.32% [3]. - Haibao Life's internet business ranked among the top four in small and medium-sized insurance companies, with its new premium scale entering the top fifteen in the industry [3]. Group 2: Product Innovation - The company launched three customized products, including the "Furui Future (Instant Enjoyment) Pension Annuity," focusing on customer needs in the context of an aging society [3][8]. - Haibao Life introduced a cross-border medical insurance product that covers specific medical devices and treatments, addressing local healthcare gaps [9]. - The "Hui Qiong Bao" project includes 115 specific drugs, enhancing its competitive edge in the market [9]. Group 3: Service Enhancement - Haibao Life has improved its claims efficiency, implementing a "fast claims channel" for small cases and a "serious illness advance payment" mechanism [5][11]. - The company has established a consumer rights protection committee and a dedicated consumer protection department to enhance financial consumer rights [13]. - The firm integrates insurance with community service, contributing to local welfare and promoting financial literacy [13]. Group 4: Strategic Development - Haibao Life is committed to a differentiated development path, focusing on regional resources and the unique advantages of Hainan's tourism, healthcare, and retirement sectors [4][11]. - The company has formed a product innovation leadership team to explore new product directions and service models in cross-border healthcare and wellness services [18]. - As the Free Trade Port enters a higher level of openness, Haibao Life aims to align its operations with international standards and enhance its innovative capabilities [16][18].