实施物业服务质量提升行动。 其中提到，健全多元保障体系。加快发展多层次、多支柱养老保险体系，逐步提高城乡居民基础养老 金。健全多层次医疗保障体系，深入实施基本医疗保险全民参保计划，全面推进医保基金即时结算改 革，加强医疗保障定点医药服务资源规划。扩大失业、工伤保险覆盖面。扩大社会保险参保范围，提高 灵活就业人员、农民工、新就业形态人员参保率。加强社会保险与社会救助、职工互助社会福利制度衔 接。完善空巢老人、困境儿童、残疾人等群体服务保障体系。促进和规范公益慈善事业发展。加强殡葬 基础设施建设和服务管理。保障妇女儿童合法权益。加强退役军人服务保障。做好蔬菜等生活物资保供 稳价工作。加快构建房地产发展新模式，优化保障性住房供给，因城施策增加改善性住房供给，更好满 足刚性和多样化改善性住房需求。实施物业服务质量提升行动。 12月10日，海南省发布《中共海南省委关于制定国民经济和社会发展第十五个五年规划的建议》。 ...

Core Insights - The commercial insurance market in China has experienced significant growth, driven by economic development and social changes, with a focus on enhancing its role in key areas such as livelihood protection, disaster prevention, and agricultural insurance [1] Group 1: Insurance Industry Development - Experts at the National Commercial Insurance Development Seminar emphasized the need for the insurance industry to adhere to the principle of "insurance is for protection," ensuring that it aligns with national strategies and public welfare [2] - The demand for personal and family insurance products is rapidly increasing, yet there is a mismatch in the development of property insurance products and life and health insurance markets [2] - The insurance sector is encouraged to improve its service levels in livelihood protection, with suggestions to enhance disaster relief systems and integrate technology into risk management [2] Group 2: Long-term Care Insurance - Long-term care insurance is identified as a crucial component of social security, with participation from 27 insurance companies in trials across over 49 cities [3] - Challenges such as insufficient incentives, weak data foundations, high service costs, and outdated regulatory frameworks hinder the development of long-term care insurance [3] Group 3: Disaster Prevention and Risk Management - The insurance industry plays a vital role in disaster prevention and recovery, with over 29 billion yuan paid out in claims for major disasters in 2023 [4] - The current insurance compensation rate for disasters is significantly lower than international standards, indicating a need for improvement in the disaster risk management framework [4] - A multi-tiered insurance system is proposed, combining government assistance, commercial insurance, and policy-based insurance to enhance disaster risk management [5] Group 4: Agricultural Insurance - Agricultural insurance has seen substantial growth, becoming the largest market globally, but efficiency issues remain due to conflicting goals between government and insurance companies [7] - Recommendations include clarifying the nature of policy-based and commercial agricultural insurance, improving legal frameworks, and enhancing market regulation [7] - Specific challenges in livestock insurance, such as disease assessment and information asymmetry, require technological and regulatory solutions to ensure the sector's health [8] Group 5: Future Outlook - The commercial insurance sector is positioned to play a more significant role in China's modernization process, contributing to economic and social development through policy implementation, technological innovation, and systemic reforms [8]