作为中国现代保险业的发源地，广东保险业积淀深厚。自1980年恢复业务后，广东仅用二十余年便跃居 全国保险"第一省"。时至今日，保险已与银行、证券并列金融业三大支柱，在助推实体经济、保障社会 民生、发挥"社会稳定器"与"经济助推器"功能中扮演关键角色。 2025年，中国保险业迈入深化改革、回归本源的攻坚期，服务实体经济、保障社会民生的核心使命愈发 凸显。依托深厚的产业积淀与持续的改革活力，广东辖区（不含深圳，下同）保险业在民生保障升级、 科技金融赋能、跨境服务创新、行业生态优化等多个维度的探索，不仅是自身发展的突破，更勾勒出全 国保险业转型的"广东样本"。 每一次保障升级、每一份产品创新、每一笔资金注入，都与产业转型的轰鸣、民生期盼的脉搏同频共 振。岁末年初，南都·湾财社以六个关键热词，回望2025年广东辖区保险业的奋进之路，更试图解读其 背后"从规模扩张到功能深化""从单一保障到综合服务"的行业发展逻辑。 巨灾保障 2025年1-11月，广东省保费收入7389.58亿元，同比增长8.35%，增速位于全国前列。保费规模的稳步增 长与结构优化，为广东保险业发挥社会价值奠定了坚实基础。在助力筑牢经济安全网、社会保障 ...

Group 1: New Drug Policies - The new national medical insurance drug list has been implemented, adding 114 new drugs covering areas such as cancer, diabetes, and rare diseases [2] - A new batch of centralized procurement for 55 drugs will take place in February 2026, including medications for allergies, diabetes, and antiviral treatments [2] - The first version of the commercial insurance innovative drug directory has been released, providing 19 innovative drugs for reference in product design [2] Group 2: Maternal and Child Health - From July 1, 2025, Jiangsu province implemented a "zero out-of-pocket" policy for hospital deliveries, with the aim to expand this benefit nationwide by 2026 [4] - The 2026 initiatives include increasing maternity subsidies, expanding coverage for flexible workers and migrant workers, and incorporating suitable pain relief methods into medical insurance [4] - A series of measures are being introduced to support child health and development, including direct disbursement of maternity benefits to insured individuals [4] Group 3: Elderly Care and Long-term Insurance - Long-term care insurance is expanding to cover more individuals, with a focus on enhancing elderly care services starting in 2026 [6][7] - The initiative includes establishing geriatric departments in hospitals and extending care services to community and home settings [6] Group 4: Healthcare Accessibility and Insurance Fund Security - The medical imaging cloud platform will enhance the sharing of diagnostic data across provinces, aiming for over 300 mutual recognition projects by the end of 2027 [8] - The implementation of cross-province use of employee medical insurance accounts will be fully realized in 2026 [8] - A new drug traceability system will be enforced from January 1, 2026, to combat illegal activities related to medical insurance funds [8]

Group 1 - The core viewpoint of the article highlights the implementation of new healthcare policies in 2026 that will benefit the public, including the introduction of new drugs and medical services [2] - A total of 114 new drugs will be included in the national medical insurance drug list, covering areas such as cancer, diabetes, and rare diseases, with an additional 19 innovative drugs for commercial insurance [3] - The latest batch of centralized procurement for 55 drugs will take place in February 2026, including medications for allergies, diabetes, and antiviral treatments [3] Group 2 - From March 1, 2026, primary healthcare institutions are required to stock at least five categories of antihypertensive drugs to enhance medication accessibility [4] - The "zero out-of-pocket" policy for hospitalization during childbirth will expand nationwide, aiming for full coverage of eligible expenses by 2026 [5] - The long-term care insurance (LTCI) will transition from pilot programs to comprehensive coverage for all insured individuals, enhancing elderly care services [8] Group 3 - The medical insurance imaging cloud will facilitate the sharing of diagnostic imaging data, reducing the need for patients to carry physical records and minimizing repeated tests [9] - By 2026, the cross-province sharing of medical insurance accounts will be fully implemented, along with advancements in payment methods to reduce hospital wait times [11] - All medical institutions will be required to upload drug traceability codes starting January 1, 2026, to combat illegal activities related to medical insurance funds [11]

据介绍，德州市启动居民长护险试点以来，在提高农村地区失能人员享受服务便捷度方面，进行了一系列探索，也采取了一些本地化的措施，主要从以下 几个方面进行了探索： 齐鲁晚报.齐鲁壹点李梦晴 全方位丰富专业护理供给，提升居家服务质量。一是将专业化上门服务机构纳入长护险定点，招募"4050"人员和农村留守妇女，按照专业化培训、区域化 管理模式，建立起稳定的本地化护理员队伍。全市护理员数量已达1060人，其中有84.9%的护理员是试点启动以来的新入职人员。二是建立起专业化培训 机制，依托医疗机构、德州学院、德州职业技术学院等专业机构和师资，累计完成10630余人次技能培训，提高护理员队伍服务专业性。三是建立了家属 照护员技能培训机制，由上门服务机构负责对家属开展"面对面"、"手把手"培训，让陪伴失能人员最多的家属护理也越来越规范。 12月30日，德州市举行2025年德州市医疗保障工作专题新闻发布会，介绍2025年德州市医疗保障工作的主要进展和成效，并回答记者提问。 持续完善护理服务内涵，规范护理项目落地。一是不断优化居家护理服务项目，51项居家护理内容包含了压疮护理、口腔清洁、鼻饲管置管及注食等生活 护理和专业护理项目， ...

2025年中央经济工作会议部署明年经济工作八项重点任务，处处着眼于答好"民生卷"，强调要坚守民生 为大，努力为人民群众多办实事。人保财险坚决贯彻落实党中央决策部署，深刻领会投资于物与投资于 人紧密结合的人口发展导向，在人保集团党委带领下，持续将党的政治优势、组织优势转化为服务民生 的治理优势、发展优势，在多地开展特色实践，探索"保险服务+养老服务"新模式，切实履行国有骨干 保险企业的政治责任和社会责任。 创新智慧"红色助手"，科技赋能彰显金融为民情怀 走进人保财险江苏淮安市分公司智慧长护服务中心，迎宾机器人"小鱼"的亲切问候，是服务窗口的第一 抹温暖。这不仅是技术应用的场景，更是公司运用现代科技打造智能化、透明化、便捷化服务，提升为 民服务效能的具体行动。 市民张女士为失能母亲办理长护险申请时，通过"小鱼"的智能引导和语音交互，解答居家护理范围、规 划最优业务办理路径，挥动机械臂带领她精准找到业务窗口，原本复杂的政策咨询在AI语音交互中瞬 间变得清晰。更让她安心的是智慧大屏上实时显示的护理服务场景与精准匹配的工单轨迹，它如同"电 子哨兵"，实现了对护理服务过程的可视化、可追溯管理，确保长护险基金的每一分钱都用 ...

在复旦大学教授封进看来，当前养老保险依赖财政补贴的空间日益受限，叠加少子化、老龄化加剧的人 口结构变化，创新筹资模式势在必行。 社会保障体系还可在调节收入分配、应对技术变革和健全制度设计等方面发挥更加积极的作用。武汉大 学教授张奇林认为，社会保障作为重要的调节工具，需要改革存在"逆向调节"的项目，比如推动医保筹 资标准与居民收入挂钩，避免加重中低收入群体负担。"既要推动人工智能等技术在养老、残疾照护等 社会保障服务中的应用，也要通过教育培训解决新技术带来的就业结构性矛盾。"张奇林说，应尽快总 结提升在"十四五"时期经试点已相对成熟的制度，形成全国统一方案并推广实施，加快健全多层次社会 保障体系。 中国式现代化离不开健全的社会保障体系，走向共同富裕更需社会保障体系的坚实支撑。党的二十届四 中全会审议通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，"十五 五"时期，社会保障制度更加优化更可持续。如何持续完善社会保障体系？哪些领域是关键突破口？ 与经济增长同频共振 社会保障作为普惠性、基础性、兜底性制度安排，在我国经济快速发展和社会长期稳定中发挥着不可或 缺的作用。我国已建成世界上规模最大的 ...

Core Insights - The current pension system in China faces dual challenges of "getting old before getting rich" and "being unprepared for aging" as the country enters a longevity era [1][2] - The core issue of the pension problem is identified as "where the money comes from," highlighting the low participation rate and high account vacancy in the third pillar of the pension system [1] Summary by Categories Pension System Structure - China has established a three-pillar pension system consisting of basic pension insurance (first pillar), enterprise annuities/professional annuities (second pillar), and personal pensions (third pillar) [1] - The low participation rate and high account vacancy in the third pillar are significant issues that need to be addressed [1] Financial Risks for the Elderly - The two major financial risks faced by the elderly are medical expenses and disability care [2] - Although pilot programs for long-term care insurance (LTCI) have been initiated in some cities, overall coverage and utilization rates remain low [2] Policy Recommendations - It is suggested to explore allowing individuals to access part of their personal pension early under strict regulation, which could enhance the system's attractiveness [1] - There is a call for accelerating the nationwide coordination of LTCI and improving the integration of basic medical insurance with commercial health insurance and LTCI [2] - The development of the pension industry should seek a balance between "high-end" services and "universal accessibility," ensuring that middle and low-income groups can achieve sustainable pension payment capabilities [2] - Policy design must consider both efficiency and equity, particularly focusing on the needs of rural and vulnerable populations [2]

Group 1: Financial Performance - Revenue for Q3 2025 was 4.1 billion CNY, a decrease of 4.6% year-on-year, primarily due to a decline in retail business in Yunnan and risk management in distribution [2] - Net profit attributable to shareholders for the first nine months of 2025 was 269 million CNY, down 8.17% year-on-year, with credit and asset impairment losses impacting nearly 15 million CNY [2] - Total cash dividends for 2025 amounted to nearly 300 million CNY, with a share buyback of 150 million CNY, of which 135 million CNY was financed through a special loan [2] Group 2: Business Segment Performance - Retail business, which includes retail pharmaceuticals (over 55% of retail revenue), saw a significant decline in Yunnan, while other regions maintained positive growth [3] - Distribution business faced a substantial drop in revenue due to risk management measures following the Kunming Minsheng Pharmaceutical incident, affecting various distribution categories [4] - The Chinese medicine industrial segment is focusing on formula granules, with nearly 660 products meeting local standards and around 400 products progressing towards national standards [4] - The healthcare business, although small, is growing rapidly, with the first centralized elderly care center achieving profitability and plans for a second center expected to open by the end of 2026 [4] Group 3: Store Network and Adjustments - The number of stores decreased from 11,498 at the beginning of the year to 11,230 by September 30, 2025, with 430 closures and 288 openings/migrations [5] - Yunnan has 5,521 stores (49% of total), with ongoing adjustments to enhance store efficiency and expand non-pharmaceutical categories [5] - By the end of 2025, the company plans to complete adjustments in 1,000 stores, focusing on health-related products and professional categories [5] Group 4: Strategic Insights and Future Plans - The company aims to optimize internal operations in response to external policy changes and macroeconomic factors affecting the retail environment [6] - The introduction of long-term care insurance presents significant opportunities for the healthcare business, with existing centers positioned to accommodate this demand [9] - Future investments will focus on regions like Southwest China and Hainan, with plans to enhance store density and service capabilities [10] - The company plans to promote community and home-based elderly care services, aligning with the preference of over 95% of seniors for home care [11]

Core Insights - Home-based elderly care remains the mainstream choice for seniors, and optimizing this service is crucial for public welfare [1][2] - The elderly population aged 60 and above in China has exceeded 310 million, projected to surpass 400 million by around 2035, indicating a growing demand for home-based care services [1] - The current elderly care service system is steadily advancing, with a focus on enhancing home and community-based services supported by institutional care and medical integration [1] Group 1: Current State of Home-based Elderly Care - Home-based elderly care services primarily focus on daily living assistance, with insufficient integration of medical care, despite a significant portion of seniors suffering from chronic diseases [2] - There are challenges in collaboration among medical, community, and elderly care institutions, leading to a lack of synergy in service delivery [2] - Issues such as an unbalanced talent structure, inadequate user payment capacity, and an imperfect evaluation system hinder the development of home-based elderly care services [2] Group 2: Policy and Infrastructure Support - High-quality development of home-based elderly care services requires supportive policies, including the use of local government bonds for infrastructure development and tax incentives for care institutions [2] - The establishment of a robust professional nursing workforce is essential, necessitating improvements in salary, career pathways, and a systematic skills certification framework to attract talent to the elderly care sector [2] Group 3: Innovative Service Models - Encouraging social participation in home-based elderly care through diverse service models, such as "community + property + elderly care" and "elderly dining services," is vital to meet the varied needs of seniors [3] - Leveraging technology to create community-based elderly care information platforms and developing "smart" elderly care scenarios can enhance service efficiency and quality [3] - Long-term care insurance, initiated in 2016, has benefited over 2.25 million disabled individuals, reducing their financial burden and improving their quality of life, highlighting the importance of sustainable funding and fairness in the system [3]

Industry Overview - The adult incontinence products industry in China is at the end of the introduction phase and the beginning of the explosive growth phase, with a penetration rate of approximately 8%-10%, indicating significant growth potential compared to international markets [1] - Long-term care insurance policies are expected to accelerate market expansion, with projections suggesting that the penetration rate could reach 50% within the next decade [1] Company Insights - Reliable Co., the leading domestic brand in the adult incontinence market, is adjusting its channel strategy to strengthen B2B operations and online user engagement, while launching a new brand, "Anurse," to seize government procurement opportunities related to long-term care insurance [1] - The pricing landscape for adult diapers in China is chaotic, with the presence of ultra-low-end products; price increases will depend on the advancement of long-term care insurance and enhanced market regulation [1] - In contrast to the first brands in Europe, the U.S., and Japan, which hold over 50% market share, the concentration trend in the Chinese market is becoming more pronounced, with Reliable Co. positioned as the top local brand [1] - The company is optimizing costs through measures such as smart factories and raw material substitution, with future growth drivers identified as the implementation of long-term care insurance policies, brand recognition enhancement, and international expansion [1]