Core Viewpoint - The development of inclusive insurance is transitioning from "quantity increase" to "quality improvement," necessitating the enhancement of measurement indicators and innovative product services [1] Group 1: Industry Development - The National Financial Regulatory Administration issued guidelines for the high-quality development of inclusive insurance, outlining its connotation, goals, and principles, and projecting a market size of approximately one trillion yuan in the next five years [2] - Currently, inclusive insurance accounts for about 7% of total insurance premium income, with expectations for market share to double in the coming years due to digital development and collaborative efforts [2] - Recent initiatives in Shanxi and Shenzhen have expanded insurance coverage for individual businesses and new employment forms, enhancing risk resilience [2] Group 2: Challenges and Solutions - The industry faces three core contradictions: structural mismatch between supply and demand, balancing sustainability with inclusiveness, and adaptability of service capabilities [4] - The current coverage for middle-income groups remains low, with only 30% having commercial health insurance, and only 11% of flexible employment workers enjoying occupational injury protection [4] - To promote inclusive insurance, three forces are needed: commercial viability, government support, and technological advancement [4][5] Group 3: Future Outlook - The future of inclusive insurance is expected to integrate "insurance + services + technology," with innovations emerging in risk management for small businesses and preventive health care [5] - Long-term care insurance is anticipated to expand nationwide, with improvements in coverage for specific populations and chronic disease management [5][6] - The sustainable development of inclusive insurance relies on the collaboration of government, commercial insurance, and social forces [6]