近年来，在政府部门、监管部门的指导下，保险业推出了投保不限职业的"惠民保"普惠型产品，并且已 经覆盖全国百余座城市；此外，保险机构还根据不同灵活就业人群的保障需求，定制化设计了"骑行 保""安业保"等商业保险 ◎记者 何奎 穿梭于城市街道的网约车司机、奔波于高速公路上的货车司机、骑行在大街小巷的外卖员和快递员…… 这些灵活就业人群正是满足老百姓日常生活所需的"车轮上的奋斗者"。 上海证券报记者在调研中了解到，灵活就业人群由于自身风险较高、工作模式灵活、劳动关系模糊等特 点，往往难以购买到合适的保险产品。为护航这些"车轮上的奋斗者"，部分保险公司已经针对灵活就业 人群定制化设计保险产品，但产品的丰富度、普惠性、精准度仍有待提高。 保险产品多点"开花" 近年来，在政府部门、监管部门的指导下，保险业推出了投保不限职业的"惠民保"普惠型产品，并且已 经覆盖全国百余座城市；此外，保险机构还根据不同灵活就业人群的保障需求，定制化设计了"骑行 保""安业保"等商业保险。 今年4月，2025版"沪惠保"开启投保窗口，继续面向上海基本医保参保人员开放，在坚持不限年龄、不 限职业、不限健康状况的参保条件基础上，保费129元/人（ ...

Core Insights - The meeting focused on enhancing civil affairs missions to improve people's well-being, highlighting the increasing demand for diversified and personalized civil services as the economy develops [1] Group 1: Elderly Care Services - The future of elderly care services is expected to be more intelligent and data-driven, utilizing smart products to address both physiological and psychological needs of the elderly [2] - The scope of elderly care has expanded from primarily serving the underprivileged elderly to encompassing all elderly individuals, with services now including material support, social services, and emotional care [4][5] - Welfare institutions are adopting advanced technologies such as emotional robots and fall detection systems to enhance the quality of care provided to the elderly [4][5] Group 2: Social Assistance and Support - The range of social assistance has broadened from just five guarantee categories in 2002 to include various low-income groups, with significant improvements in support standards [3] - Future efforts will focus on dynamic monitoring and precise identification of low-income individuals through a shared big data platform, streamlining application processes to benefit those in need [3] - A comprehensive assistance model combining material support with diverse services is being developed, alongside collaboration with charitable organizations to enhance resource availability [3] Group 3: Child Welfare Services - Child welfare services are evolving from traditional orphan care to include various vulnerable children, with an emphasis on improving support standards and expanding service offerings [5] - The integration of multiple professional resources in child welfare is being prioritized to create a better living environment for children, focusing on medical, rehabilitation, educational, and social integration services [5]