文/ 中国建设银行上海市分行金融市场（同业）部副总经理 刘道云 研究 发现，保 险市场 支 持 和保 障 重要 初级 农产 品供 给仍 受到 多种 因 素制 约，支持和保障基础性能源供给仍面临双重瓶颈，支持和保障战略性矿产 资源供给仍存在多项短板。为更好保障初级产品供给安全，建议推进五大 改革构建多层次农险体系，聚焦五大维度构建多层次能源保险体系，着力 五大方面构建多层次矿业保险体系，提升保险市场保障初级产品供给安全 的能级。 重要初级农产品、基础性能源、战略性矿产资源（以下统称 "初级产品"）是满足人民需求、支持经济发展、维护社会稳定和保障国家安全的基础条件。 习近平总书记强调，"对我们这样一个大国来说，保障好初级产品供给是一个重大的战略性问题"。近年来，保险市场通过多层次风险管理和服务模式创 新，在保障我国初级产品供给安全方面形成了系统性支撑体系。 然而，保险市场在支持和保障我国初级产品供给方面仍存在问题和短板，对我国初级产品供给安全的保障能级仍有提升空间。为深入落实金融服务实体经 济的根本要求，更好保障初级产品供给安全，夯实构建新发展格局和推进中国式现代化的物质基础，应进一步提升保险市场保障我国初级产品 ...

Core Insights - The article highlights the rapid development of a multi-tiered insurance system in China, which includes basic medical insurance, "Hui Min Bao," and commercial health insurance, aimed at meeting diverse healthcare needs of the population [1][6] Group 1: Insurance Coverage and Participation - Over 1.3 billion people are covered by basic medical insurance in China, and "Hui Min Bao" has reached approximately 30 provincial-level administrative regions [1] - By 2025, "Hui Min Bao" participation is expected to exceed 6.45 million in Shanghai, with similar growth in other cities like Shenzhen and Beijing, where participation is projected to surpass 6.15 million and 4.34 million respectively [3] - As of March 2025, "Hui Min Bao" has accumulated compensation payments exceeding 2.2 billion yuan, while "Shenzhen Hui Min Bao" has compensated nearly 230,000 individuals [3] Group 2: Growth in Commercial Health Insurance - The health insurance sector achieved approximately 97.74 billion yuan in premium income in 2024, reflecting a year-on-year growth of about 8.2% [4] - Medical insurance has overtaken critical illness insurance in market share for the first time, indicating its role in supplementing basic medical insurance and covering high-value innovative drugs [4] - Pacific Health Insurance has served over 2 million customers since launching "Blue Medical Insurance" in 2022, with compensation amounts reaching 3.77 billion yuan in the first half of 2025, a 16% increase [4] Group 3: Challenges and Recommendations - Despite the progress, challenges such as insufficient coverage, data silos, and low penetration of commercial insurance remain [6] - Experts suggest breaking down data barriers and establishing secure sharing mechanisms to enhance product pricing and reduce costs [7] - Recommendations include integrating commercial health insurance with basic medical insurance for efficient claims processing and expanding coverage to include various demographics and innovative treatments [7]