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2025年度“深圳惠民保”参保人数突破615万 3年超1800万人次参保
Shen Zhen Shang Bao· 2025-07-13 00:29
深圳商报记者邱清月 记者从"深圳惠民保"承保机构获悉,由深圳市医疗保障局、深圳市地方金融管理局、国家金融监督管理 总局深圳监管局共同指导推出的2025年度"深圳惠民保"6月30日结束集中参保期,参保人数再创新高、 突破615万,保障服务期为2025年7月1日至2026年6月30日,为市民带来一整年的守护。 参保人群覆盖面广 "深圳惠民保"始终坚持普惠公益特性,不设置年龄、职业、健康状况等限制,只要是深圳基本医保参保 人均可参保,此外,今年首次将参加异地医保的深圳户籍人员纳入参保范围,包括随迁老人、异地求学 或就业创业的深圳户籍人员等,有效扩大产品保障受益面。"深圳惠民保"一经推出,受到市民群众广泛 认可、踊跃参加,3年累计参保人次超1800万,本年度最大参保年龄是一位113岁的老奶奶,最小参保年 龄是刚出生5天的小男婴。 "我爸妈是随迁过来深圳的,今年终于和我们一样都能参加'深圳惠民保'了,有了这份保障,我们也安 心许多。"在深圳工作多年的李先生告诉记者。数据显示,已有超11万名参加异地医保的深圳户籍人员 参加2025年度"深圳惠民保"。 此外,已有近2.6万家企业为超105万名职工参加2025年度"深圳惠民 ...
东吴证券:推进普惠保险体系建设 预计其长期发展空间广阔
智通财经网· 2025-07-10 03:03
推进普惠保险体系建设,助力经济发展与社会保障 惠民保是一项由政府支持引导,保险公司承保,并联合多元服务主体共同推出的,集普惠与商业属性于 一体的新型健康保险模式。1)惠民保的突出属性在于普惠性和高性价比,具备低门槛、低保费和高保障 的特点。①低门槛:对投保年龄、职业及健康状况基本无要求。②低保费:以均一费率为主,大部分产 品定价在百元以内。③高保障:保额通常在100-300万,可保障特药责任。2)惠民保目前已经成为多层 次医疗保障体系重要的组成部分。①惠民保覆盖城市和人群不断扩大。2023年投保及在保期的惠民保产 品共计215款,参保人数达1.7亿人,2022年惠民保保费收入达178亿元,累计保费320亿元。②有效扩展 了传统商业医疗险的人群范围。传统商业健康险投保年龄通常限制在60岁上下,而惠民保将老年人纳入 商业健康险的保障范围能够有效缓解社会的医疗负担。③有效降低医疗费用负担,四大直辖市惠民保产 品平均减负率在6%-14%。 大病与长护险:险企积极参与业务经办,助力基层医疗支付 1)大病医保:大病医保是在基本医保基础上对大病患者高额医疗费用提供保障的制度安排,采用商业保 险公司经办模式。目前已有21家商 ...
东吴证券晨会纪要-20250710
Soochow Securities· 2025-07-09 23:30
证券研究报告 东吴证券晨会纪要 东吴证券晨会纪要 2025-07-10 宏观策略 [Table_MacroStrategy] 海外周报 20250706:6 月超预期非农令市场降息预期延后至 9 月 核心观点:本周美越贸易协议与对华芯片设计软件出口限制解除提振市 场情绪,美股上涨;而经济数据的走强令美债利率随降息预期降温而大幅 上行,10 年期美债利率全周升 6.89bps 至 4.346%。本周美国"软数据" PMI 调查超预期,ISM 服务业 PMI 重回荣枯线之上。而周五公布的"硬 数据"美国 6 月非农就业再度超预期,失业率也有所回落,市场对此解 读偏乐观,7 月降息预期被彻底打消。此外本周特朗普《大美丽法案》 (OBBB)正式签署落地,债务上限进一步提高 5 万亿美元至 41 万亿美 元。由于《大美丽法案》带来的赤字增加预期已被市场关注许久,因此 OBBB 的落地或意味着"买预期、卖现实"的交易进入后半程。短期看, 30 年美债利率或 10s30s 期限利差的上行或因此告一段落。 风险提示: 特朗普政策超预期;美联储降息幅度过大引发通胀反弹甚至失控;美联储 维持高利率水平时间过长,引发金融系统流动性 ...
小产品里的民生大保障 ——党建引领“沪”字头普惠保险“金融为民”
Group 1 - The core viewpoint of the articles highlights the launch and significance of the "Huyebao" insurance product aimed at small and micro enterprises and individual businesses in Shanghai, emphasizing its role in providing affordable and comprehensive risk coverage [3][4][5] - "Huyebao" offers differentiated insurance solutions covering property loss, business interruption, and personal accidents, thus becoming a crucial financial tool for safeguarding the assets of Shanghai's citizens and businesses [4][5] - The product has already provided risk protection exceeding 100 billion yuan to nearly 10,000 small and micro enterprises and individual businesses, demonstrating its impact on the local economy [5] Group 2 - The "Hujiaobao" family comprehensive insurance, launched in 2023, is the first of its kind in China, designed to protect household assets and provide various services, with an annual premium of 189 yuan per household [6][7] - Since its launch, "Hujiaobao" has sold over 800,000 policies, offering risk coverage exceeding 600 billion yuan and paying out over 10 million yuan in claims, showcasing its popularity and effectiveness [7] - The insurance service alliance for "Hujiaobao" has integrated additional services such as home appliance cleaning and legal consultations, enhancing the overall value proposition for customers [7][8]
一周保险速览(6.20—6.27)
Cai Jing Wang· 2025-06-27 09:36
Regulatory Developments - Six departments, including the People's Bank of China, issued guidelines to enhance commercial health insurance support for innovative drugs, aiming to meet diverse health protection needs [1] - The National Financial Regulatory Administration is working on incorporating inclusive insurance development into the regulatory evaluation system for insurance companies, establishing an assessment mechanism for inclusive insurance [2] Industry Trends - The implementation of new compliance regulations is accelerating, as evidenced by the appointment of chief compliance officers in multiple insurance companies, indicating readiness for the upcoming Compliance Management Measures [3] - The popularity of the Jiangsu Province City Football League has led to increased participation from insurance companies, providing comprehensive risk coverage for players and spectators [4] Capital Movements - Insurance companies have accelerated capital replenishment through significant increases in registered capital and bond issuance, totaling 69.213 billion yuan by June 22, a 95% year-on-year increase [5] - Zhongyou Insurance has been approved to increase its registered capital by 3.98 billion yuan, raising it to 32.643 billion yuan [6] - China United Insurance has received approval to increase its registered capital by 1.2 billion yuan, bringing it to 4.1 billion yuan [7] Corporate Actions - ZhongAn Online plans to place 215 million H-shares, expecting to raise approximately 3.8963 billion HKD after expenses [8] - Guobao Life's 7.6% equity stake was auctioned off, with the new owner being Meishan State-owned Assets Management Company, which acquired it for 176 million yuan [8] Personnel Changes - Baolingjie is set to become the new president of ICBC-AXA Life Insurance, filling a vacancy left by the previous president [9] - Yu Hong has been approved as the general manager of AIA Life Insurance, responsible for strategic planning and daily operations [10] - Wang Xuze has been appointed as the interim head of Taiping Life Insurance, overseeing the company's operations [11] - He Xiao has been approved as the general manager of Zijin Insurance, taking on leadership responsibilities [12]
两部门:研究将普惠保险发展情况纳入保险公司监管评价体系
news flash· 2025-06-26 09:52
Core Viewpoint - The National Financial Supervision Administration and the People's Bank of China have jointly released a plan to incorporate the development of inclusive insurance into the regulatory evaluation system for insurance companies [1] Group 1: Policy Initiatives - The plan aims to promote the continuous expansion, enhancement, and improvement of agricultural insurance products [1] - It emphasizes the development and promotion of property insurance, liability insurance, and export credit insurance tailored to the needs of small and micro enterprises [1] - The initiative encourages insurance companies to increase the supply of personal insurance products, including health insurance, pension insurance, accident insurance, and life insurance for farmers [1] Group 2: Regulatory Framework - The development of inclusive insurance will be integrated into the regulatory evaluation system for insurance companies [1] - There will be improvements to the statistical indicator system for inclusive insurance, with a focus on continuously enhancing the quality of statistical data [1]
中国人寿财险泰安市中心支公司推动“惠民保”更惠民
Core Viewpoint - "Hui Min Bao" serves as an effective supplementary insurance to basic medical insurance, contributing to a multi-tiered medical security system in China. The company has implemented various measures to enhance the coverage and service quality of "Hui Min Bao," resulting in a steady increase in the number of insured individuals and sustainable business development [1][2]. Group 1 - The company has organized insurance for 73,100 people this year, representing a year-on-year increase of 17% [1]. - The premium income reached 12.02 million yuan, with a year-on-year growth of 21.3% [1]. - The market share of "Hui Min Bao" has increased to 22.36%, up by 4.1 percentage points year-on-year [1]. Group 2 - The "Hui Min Bao" program has been operational since 2021, with over 2.12 million people covered and total compensation exceeding 200 million yuan over five years [1]. - The company is addressing common issues such as declining renewal rates and insufficient customer expansion by upgrading the insurance plan based on extensive research and public feedback [2]. - The 2024 plan includes a one-stop settlement system, lower deductible standards, expanded network of hospitals and pharmacies, and enhanced reimbursement processes for outpatient medications [2]. Group 3 - A new internet outpatient service has been introduced, allowing insured users to pay only 30 yuan for up to 6,000 yuan in reimbursement for online consultations and medications [2]. - A special premium of 10 yuan has been introduced for low-income individuals, maintaining the same reimbursement ratio to enhance the program's inclusivity [2]. - The company aims to strengthen public awareness and increase participation in "Hui Min Bao" to address social risk management and improve community resilience [2].
广东国寿惠民保三年赔付15.92亿 打造湾区普惠保险样本|保险调研
南方财经全媒体记者林汉垚 北京报道 普惠金融是指立足机会平等要求和商业可持续原则,以可负担的成本为有金融服务需求的社会各阶层和 群体,尤其是中小企业、农民以及城镇低收入人群等特殊群体提供适当、有效的金融服务。 在金融服务日益普及的今天,普惠金融正深刻改变着亿万民众的生活。而普惠保险作为我国普惠金融的 重要组成部分,更是承担着满足社会各界多层次保障需求和引领服务保险业高质量发展的重要使命。 广东作为经济总量领跑全国的排头兵,有着全国最多的经营主体,既是普惠金融的需求热土,更是金融 创新的实践高地。近日,记者在广东调研了解到,近三年来,中国人寿寿险广东省分公司(以下简 称"广东国寿")已为广东全省17个地市超3500万人提供城市定制型商业医疗保险保障,累计赔付155.72 万人次,赔付金额15.92亿元,并打造出了广州"穗岁康"、珠海"大爱无疆"、江门"邑康保"、佛山"佛医 保"、中山"博爱康"等普惠保险品牌。 监管指引推动普惠保险发展 现实生活中,最需要保险保护的人群,往往是收入有限、积蓄单薄、抵御风险能力相对脆弱的群体。一 场意外或疾病可能轻易击碎他们平静的生活。然而,现实常显得颇为矛盾——恰恰是这部分最需要 ...
广覆盖、低保费,普惠保险如何更好保障民生、健康发展?
Xin Hua She· 2025-06-13 03:38
新华财经北京6月13日电(记者张千千)做好普惠金融,事关广大人民群众民生福祉。近年来,保险行业结合百姓健康、养老等实际需要,积极参与政府主 导的各类普惠保险项目,向百姓提供买得到、买得起的保险服务。普惠保险如何更好助力兜住兜牢民生底线、实现可持续健康发展?记者在广东等地进行了 采访。 广覆盖确保百姓"买得到" 临近退休时,广州市民鲁先生确诊淋巴瘤,其对症的一种抗癌药品价格高达上百万元且未纳入医保。"住院产生的自费药品和检查费用超过140万元,我购买 的'穗岁康'保险提供了近100万元费用补偿,缓解了就医压力。"鲁先生说。 "穗岁康"是政保合作普惠保险的一个缩影。近年来,全国多地推出城市定制型商业医疗保险,也就是"惠民保"。不同地区的产品名称不同,但却拥有同样的 特点——由政府指导、保险机构运作,投保门槛低、保费低、保额高,具有普惠性质。 "要做好普惠保险,首先要解决的就是可及性问题,确保让更多人买得到。"中国人寿寿险总公司战略规划部总经理洪梅表示,一是要更好服务以往因渠道触 达不到而被排除在金融服务之外的人群,二是要将因风险难以计量而被传统金融服务排除在外的人群纳入保险服务对象。 "老年人、带病人群和既往症患 ...
每月发500元养老金、免费做癌症筛查 惠民保如何做到更普惠
经济观察报· 2025-06-07 08:45
5月22日,午后的阳光透过新会区养老中心的长廊,梁女士轻轻地用轮椅推着患病的母亲在走廊缓 行,享受阳光的"抚摸"。 在江门新会养老中心调研时,经济观察报记者遇到了这一幕。江门新会养老中心是江门市城市定制 型商业医疗保险"邑康保"的合作机构。作为"中国侨都",江门市的户籍60周岁及以上人口占全市户 籍总人口的比例超过了24%(2024年7月数据),成为广东省老龄化程度最高的地市之一。"邑康 保"尝试了医疗保障和护理保障相结合的模式,以缓解老龄人群的养老痛点。在正常医疗保障之 外,参保人在被认定重度失能后,还可以获得每月500元的失能照护保险金。梁女士正是这一保障 项目的受益人。 在构建高质量普惠金融体系的实践中,城市定制型商业医疗保险(下称"惠民保")可以说是保险行 业发展速度最快、覆盖人群最广的普惠金融业务之一。在经历了几年遍地开花式增长后,惠民保业 务也面临着"可持续性"的考验。广东省是我国较早试点惠民保业务的地区,中国人寿是广东省多地 惠民保业务的主承保险企,双方合作在因地制宜发展惠民保、调动居民参保积极性以及提升参保用 户获得感方面有着不少尝试。 在构建高质量普惠金融体系的实践中,城市定制型商业医疗保 ...