普惠保险不可能三角

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低保费、高保障、多盈利,普惠保险“不可能三角”何解?
Bei Jing Shang Bao· 2025-08-21 10:35
Core Insights - Inclusive insurance is becoming increasingly important in China's multi-tiered social security system and is a key tool for achieving common prosperity [1][3] - The product offerings in inclusive insurance have expanded from agricultural and critical illness insurance to include urban customized commercial health insurance and family property insurance [1][3] - Despite the growth, inclusive insurance faces challenges such as a lack of indicator systems, limited innovation models, and insufficient sustainability [1][3] Product Expansion and Challenges - The development of inclusive insurance in China is driven by both policy guidance and market demand, leading to a diversification of products [3] - Current offerings include agricultural insurance, health insurance, accident insurance, and property insurance, targeting various demographics such as small businesses, the elderly, farmers, and low-income populations [3] - The overall public awareness and trust in inclusive insurance need improvement, and the precision and accessibility of services require enhancement [3][4] Sustainable Development and Market Dynamics - Experts agree that maintaining the commercial nature of inclusive insurance is essential for sustainable development, requiring scientific pricing and effective risk management [4][5] - There is a need for sufficient product supply and respect for consumer choices to ensure high efficiency in resource allocation [4] - Regulatory measures may be necessary to guide the development of inclusive insurance in terms of regions, groups, and coverage [4][6] Recommendations for Improvement - Suggestions include focusing on risk reduction management to lower costs and enhance long-term service capabilities to balance short-term costs and benefits [5][6] - Utilizing technology to reduce operational costs is seen as a critical support for the sustainable development of inclusive insurance [6] - Regulatory bodies are encouraged to enhance product offerings and improve service quality through better data utilization and risk prevention strategies [6]