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。 500元的保险金可覆盖尿片开销 据梁女士介绍，她的母亲患有帕金森病和阿尔茨海默病，行动不便加认知功能减退给家人带来了照护方面的困难。 随着母亲身体状况愈发不乐观，梁女士开始考虑将母 ...

Core Viewpoint - The article highlights the development and impact of inclusive insurance products, particularly the "Hui Min Bao" initiative in various cities, which aims to provide affordable healthcare coverage to a broader population, especially vulnerable groups like the elderly and low-income individuals [1][2][4]. Group 1: Hui Min Bao Overview - "Hui Min Bao" is a government-guided, commercially operated insurance initiative that integrates with basic medical insurance, forming a multi-tiered medical security system [2]. - The "Sui Sui Kang" insurance product, launched in Guangzhou, has seen over 14.71 million participants and generated premiums exceeding 2.6 billion yuan, with total claims amounting to 2.14 billion yuan [2][4]. - The product is characterized by low entry barriers and high coverage levels, with minimal restrictions on residency, age, or pre-existing conditions, effectively reducing the financial burden on insured individuals [2][3]. Group 2: Targeted Services and Innovations - The "Yi Kang Bao" initiative in Jiangmen combines medical and nursing care, providing insurance benefits for elderly individuals with severe disabilities, with over 56,300 beneficiaries and total payouts around 24.8 million yuan [3]. - The "Da Ai Wu Jiang" project in Zhuhai extends medical insurance to include diverse health management services, saving approximately 42 million yuan in healthcare costs through early diagnosis and treatment initiatives [4]. - The "Yin Ling An Kang" program, initiated in Guangzhou, offers accident insurance for the elderly, with over 18.36 million participants and total claims exceeding 370 million yuan [5][6]. Group 3: Challenges and Future Directions - The insurance industry faces challenges in promoting inclusive insurance, including low consumer awareness and limited access in rural areas, which hinder the uptake of insurance products [8][9]. - The company is exploring various strategies to enhance the reach and effectiveness of inclusive insurance, such as leveraging technology for streamlined claims processes and increasing public awareness through educational initiatives [8][9]. - Future development of inclusive insurance will require stronger collaboration between government and enterprises, as well as improved data support to expand the insurable population [9].

Core Viewpoint - The development of inclusive insurance in China is transitioning from mere availability to quality improvement, with a focus on providing broad coverage and equitable access to insurance services for various vulnerable groups [3][5][12] Group 1: Policy and Framework - Recent national policies have clarified the role of inclusive insurance, identifying personal, agricultural, and pension insurance as the three pillars of this initiative [3] - By the end of the 14th Five-Year Plan, a high-quality inclusive insurance system is expected to be established, marking a new phase of quality enhancement and expansion [3][4] Group 2: Current Achievements - Inclusive insurance has made significant strides in agriculture, health, disaster, and pension sectors, with the central government allocating 54.7 billion yuan in subsidies for agricultural insurance in 2024, supporting a premium scale of 152.1 billion yuan, which is a 6% increase year-on-year [4] - China Life Insurance has issued over 250 million policies covering new citizens, disabled individuals, women, children, and special occupational groups, providing risk coverage for approximately 270 million rural residents [4] Group 3: Innovative Practices - Guangdong province has emerged as a key testing ground for inclusive insurance innovations, with various projects tailored to meet the needs of farmers, the elderly, and migrant workers [5][6] - Projects like "Sui Sui Kang" in Guangzhou and "Da Ai Wu Jiang" in Zhuhai exemplify successful models that balance inclusivity and sustainability, with significant participation from local governments and commercial insurers [6][7] Group 4: Challenges and Solutions - Despite progress, challenges remain in service accessibility, operational efficiency, and collaborative governance, particularly in rural and remote areas [9] - Guangdong authorities are actively exploring innovative solutions to enhance service delivery and operational efficiency, including the establishment of a diverse collaborative mechanism among government, enterprises, and social organizations [10][11] Group 5: Future Directions - The future of inclusive insurance in Guangdong involves enhancing top-level design, promoting government-enterprise collaboration, and leveraging technology to improve service delivery and operational efficiency [12]

Core Viewpoint - The insurance industry in China is increasingly playing a vital role in the modernization of the national governance system, driven by the integration of digital and intelligent technologies in internet insurance, which is fostering significant advancements in product design, service models, and risk management [1][4]. Group 1: Internet Insurance Growth - The online insurance purchase rate in 2024 has risen to 78% from 73% in 2023, while offline purchase rates have decreased from 85% to 79% [2]. - The rapid growth of online insurance is attributed to the development of digital consumption habits and the transformative impact of AI technology on consumer experiences throughout the insurance purchasing process [2][3]. Group 2: Consumer Insights - In the pre-purchase phase, nearly 10% of consumers are using AI models to gather insurance information; during the purchase phase, 40% are utilizing personalized insurance recommendation tools; and 36% have experienced the convenience of intelligent claims tools, leading to an overall claims satisfaction rate exceeding 95% for the first time in 2024 [3]. - The demand for inclusive insurance is being increasingly met online, with rising online purchase rates across various demographics, indicating a broadening of the consumer base for internet insurance [4][5]. Group 3: Regulatory Support and Market Dynamics - Recent policy documents have reinforced the regulatory framework for the insurance industry, promoting the healthy development of internet insurance and its role in enhancing social security and supporting the real economy [4][6]. - The acceptance of internet insurance intermediaries among younger consumers has surged, reflecting a shift in consumer behavior and a potential reshaping of the competitive landscape within the industry [6]. Group 4: Future Outlook - The insurance industry is expected to experience new opportunities for growth as it embraces technological advancements, particularly in health insurance, aligning with national strategies such as "Digital China" and "Healthy China" [7].

（原标题："95后"成为线上购险率最高的客群） 以"95后"为代表的20—30岁年轻群体，成为线上购险率最高的客群。 2025年5月28日，由元保集团、清华大学五道口金融学院中国保险与养老金融研究中心联合发布的 《2024年中国互联网保险消费者洞察报告》（下称《报告》），描绘了互联网保险消费群体的画像。 随着保险市场的成熟，消费者对保险产品的选择日趋理性，性价比成为购险决策的重要考量因素。 线上购买率情况 《报告》显示，从2024年消费者对保险产品的调整思路来看，以在原产品的基础上升级保障为主，选择 在原产品基础上升级保障的消费者占比达60%，大幅超过新增购买保险的消费者占比。这表明消费者更 加注重"精细化配置"，优化现有保险产品结构，以满足不断升级的风险保障与财富管理需求。 《报告》指出，保险投资凭借其稳定性和多样化的保障功能，逐渐成为消费者财富管理的重点，并呈现 出火热发展的趋势。数据显示，与2023年相比，2024年有29%的消费者选择增加对储蓄型保险的投资。 保险已成为继银行理财之后，第二大备受居民青睐的财富管理产品。 北京大学中国保险与社会保障研究中心专家委员会委员、教授朱俊生表示："保险产品升级浪 ...

互联网保险领域过去一年有哪些新变化？未来发展空间几何？一份"图鉴"揭开面纱。2025年5月28日，《2024年中国互联网保险消费者洞 察报告》（以下简称《报告》）发布。该《报告》由元保集团（以下简称"元保"）与清华大学五道口金融学院中国保险与养老金融研究 中心（以下简称"清华五道口保险中心"）联合编撰，中国保险学会担任学术指导单位。 《报告》显示，2024年"95后"的线上购险率达84%，成为线上购险率最高的群体。与此同时，互联网保险中介渠道的购险率显著提升， 已跻身线上第二大购险渠道。此外，因投资环境下行，2024年近三成消费者增加了对储蓄险的投资。 除了建立消费者一端的最新画像，《报告》还刻画了多重行业发展趋势，如未来两年，线上购险率有望超过线下；互联网保险未来会突 破万亿大关；保险配置方式正在从"基本保障"向"精细化配置"升级等。 保险跻身"榜二" 在消费者保险意识提升的背景下，保险配置方式和策略在过去一年又产生了新的变化。 《报告》显示，2024年，消费者的线上购险率比肩线下。数据显示，2024年的线上购险率已从2023年的73%升至78%，线下购险率则从 2023年的85%降至79%。未来两年，线上 ...

华夏时报（www.chinatimes.net.cn）记者 吴敏 珠海报道 13岁的田耀星，有一个可爱的昵称——"小星星"。然而，这颗"星星"的世界从未被阳光照亮。先天性视网膜发育 不良让她自出生起便生活在永恒的黑暗中。命运却并未因此手下留情：肝病、肾衰竭、尿毒症接踵而至，一次次 将她和家庭推向绝望的深渊。 但在这漫长的黑暗中，一束名为"大爱无疆"的微光照亮了他们的前路——这是珠海市一项普惠型医疗保险项目， 也是中国人寿在普惠保险领域的又一次探索。小星星的父亲田东告诉《华夏时报》记者，小星星的医疗费用高达 79.8万元。通过基本医保、大病保险及大爱无疆项目报销后，个人仅承担了12.9万元。此外，"大爱无疆"项目还进 一步补偿了4万元现金，为这个风雨飘摇的家庭注入了一线生机。 小星星的荆棘之路：当生命与疾病赛跑 小星星的故事，折射出一个普通家庭的破碎与重生。她出生时活泼聪颖，却在9个月大时被诊断为"先天性视网膜 缺陷"。从出生起，小星星的世界就是一片黑暗，当同龄的小朋友在幼儿园学习、玩耍时，小星星大都在父母的陪 伴下四处求医。 6岁时，小星星被送往珠海市特殊教育学院的盲班，用稚嫩的手指在凹凸的纸业上叩击知识的门 ...

王永柱的经历，折射出中国近3亿农民工群体的健康困境。他们为城市建设倾注汗水，却常因缺乏风险 意识而暴露于健康危机中。泰康在线"百万医疗险"的普惠设计——低保费、高保额、快速理赔，恰好契 合了这一群体的需求。作为城市化进程中的"筑基者"，农民工群体对健康保障的需求日益迫切。近年 来，泰康在线立足普惠理念，发力打造普惠保险产品，不断扩大惠民半径，致力于为包括新市民、灵活 就业人员在内的各类人群，提供既能"保得住"，也能"保得起"的保险保障。 保险不是冷冰冰的合同，而是一份实实在在的守护。未来，泰康在线将继续聚焦农民工等新市民群体需 求，以更普惠的产品和更高效的服务，积极发挥保险业经济减震器和社会稳定器功能，为大众安心生 活、放心工作保驾护航。 "年初你不是买了份保险吗？"妻子的一句话点醒了王永柱。2023年2月，他因常年从事高危的工地工 作，花几百元购买了泰康在线"泰医保·百万医疗险"。王永柱坦言道："当时想着保个平安，没想到真派 上了用场。"提交申请后，理赔专员迅速联系王永柱，仅用三天理赔款便到账了。在后续治疗过程中， 王永柱前前后后通过泰康在线报销了20多万，加上社会医疗保险的报销，医疗费用压力骤减。 病床上 ...

值得一提的是，太平温暖前行特定行业意外伤害保险首次将高空作业人员如高楼外部清洁工、焊工、搬运工、重型货车司 机等在常规承保范围外的高风险职业人群纳入了承保范围，有效提升普惠保险产品的覆盖范围，拓宽服务半径。在定价方面， 该产品坚持普惠原则，通过合理的保费设置，让更多新市民群体能够享有意外风险保障。此外，为更好地满足新市民灵活就业 的特点和多样化的保障需求，该产品根据不同保险金额配置了三种保障计划，同时提供最短1个月、最长1年的4个保险期间， 客户可根据自身实际需求灵活选择保障方案。 （编辑 张明富） 新市民、新业态人群作为城市建设中的主力军和新生力量，具有人口数量大、抗风险能力弱、保险保障不健全等特点。根 据《国家金融监督管理总局关于推进普惠保险高质量发展的指导意见》，保险业要"聚焦建筑工人、快递骑手、网约车司机、 货车司机、网店经营者等新市民群体和灵活就业人员，开展相应的新就业形态责任保险、意外伤害保险等业务。"在此背景 下，太平人寿积极响应号召，推出"温暖前行"普惠新产品，正是精准赋能特定客户群体、着力扩大保险产品覆盖面的又一次创 新实践。 本报讯 （记者冷翠华）5月20日，太平人寿推出普惠保险新产品—— ...

在保险行业面临 "增长困难，存量竞争" 的发展态势下，成立仅五年多的元保凭借精准的市场定位与创新实践脱颖 而出，于 4 月 30 日成功登陆美国纳斯达克，刷新了行业上市纪录，引发市场深度关注。这一里程碑式成就的背 后，是元保精准锚定普惠保险赛道，以科技为驱动核心，重构互联网保险价值体系的创新实践。 如今，保险行业正从"金融属性"向"服务属性"加速转型，拥抱数智化是行业破局的关键。随着AI大模型等技术的 持续渗透，元保模式或将为行业高质量发展提供更富想象力的实践蓝本。 财务数据是元保战略成功的有力佐证。2022 - 2024 年，元保分别实现营收 8.50 亿元、20.45 亿元和 32.85 亿元， 年度增长率高达 141% 和 61%；在 2024 年更是实现归母净利润 4.36 亿元。这组亮眼数据不仅展现了元保强劲的 发展动能，更证明普惠保险市场蕴含的巨大潜力。 在普惠保险实践层面，元保深度践行监管倡导的 "四性" 原则。通过分期缴费、低门槛产品设计，降低普惠群体的 保险准入门槛；依托科技优势压缩中间环节成本，推出高性价比保险方案；同时，持续优化产品结构，确保保障 属性与经营可持续性的平衡。截至 2024 ...