经济观察报·2025-06-07 08:45Core Viewpoint - Urban customized commercial health insurance, known as "惠民保," is one of the fastest-growing inclusive financial services in the insurance industry, but it faces sustainability challenges after years of rapid expansion [2][11]. Group 1: Development of "邑康保" - "邑康保" is a project in Jiangmen City, Guangdong Province, targeting the elderly population, with over 24% of the registered population aged 60 and above [2]. - The project combines medical and nursing care, providing a monthly disability care insurance benefit of 500 yuan for those recognized as severely disabled [2][3]. - As of 2025, "邑康保" had 809,000 insured individuals, with an annual premium of 150 yuan, covering various medical expenses and unique care service benefits [4]. Group 2: Cancer Screening Initiatives - The "鼻咽癌西江计划" was launched to improve early diagnosis and treatment of nasopharyngeal cancer, particularly in the high-incidence area of the West River basin [6]. - The project aims to complete 10,000 screenings in Doumen District by 2025, utilizing surplus funds from the "大爱无疆" project for cancer screening services [7]. - Since 2021, the "大爱无疆" project has expanded to include various health management services, mobilizing nearly 300,000 insured individuals for cancer screenings [8]. Group 3: Challenges and Solutions in Inclusive Insurance - The average participation rate for 53 publicly reported "惠民保" products was only 18.9%, significantly below the critical threshold for effective risk dispersion [11]. - Challenges include low engagement from younger, healthier demographics and difficulties in reaching rural populations [12]. - Strategies to enhance participant experience include improving claims efficiency and increasing outreach through institutional advantages [13][14].