2026年北京普惠家财保升级：已累计服务超30万户在京家庭，提供风险保障超万亿元丨银行与保险

Core Viewpoint - The article discusses the upgrade of the Beijing Inclusive Home Insurance product for 2026, emphasizing its comprehensive coverage and innovative features aimed at providing better protection for residents in Beijing [2][3]. Group 1: Product Features - The Beijing Inclusive Home Insurance, launched in 2025, adopts a "basic + optional" model, covering significant risks such as fire, floods, gas leaks, and electric bicycle fires, with a base premium of 128 yuan and a minimum coverage of 3.65 million yuan [3]. - The product introduces a new income loss insurance for new citizens, providing up to 10,000 yuan coverage for income loss due to accidents or hospitalization, and a carbon reduction insurance mechanism allowing policyholders to exchange 30 kg of carbon reduction for 300,000 yuan in accident insurance [3]. - The 2026 upgrade expands the product into three series, maintaining the 128 yuan premium while increasing coverage for multiple properties and raising the coverage for high-frequency risks like pipeline leaks by 60% [5]. Group 2: Service and Community Impact - Over its first year, the Beijing Inclusive Home Insurance has served over 300,000 households, providing risk coverage exceeding 1 trillion yuan and conducting over 16,000 risk reduction service activities [4]. - The insurance has played a crucial role during disasters, such as the "25·7" regional flood, by establishing a green claims channel, with the fastest claim processed in just 3 hours [4]. - The product also includes a new "Telecom Fraud Loss Coverage" option, addressing social governance issues and enhancing the overall protection offered [5]. Group 3: New Product Offerings - The 2026 upgrade introduces two specialized products: the "Cycling Version" for electric bicycles, with premiums ranging from 59 to 299 yuan, and the "Farmhouse Version," which offers coverage for housing structures and contents with a maximum risk coverage of 480,000 yuan [6]. - The "Cycling Version" includes benefits such as free helmet provision, aligning with local regulations on helmet use for electric bicycles [5][6]. - The integration of earthquake disaster insurance into the Beijing Inclusive Home Insurance platform aims to provide more accessible financial protection for urban and rural residents [6]. Group 4: Technological Integration - The launch includes a "Family Risk Reduction Smart Management System," which utilizes historical data for precise disaster identification and intervention, enhancing risk reduction services [6]. - The system aims to foster collaboration within the industry and provide data support for urban safety governance, including traffic optimization and property safety inspections [6]. Group 5: Availability - The 2026 series of the Beijing Inclusive Home Insurance is now open for enrollment, with detailed information available through the official WeChat account [7].