Core Viewpoint - The establishment of a health management subsidiary by China People's Health Insurance Co., Ltd. (PICC Health) marks a significant milestone in the insurance industry, reflecting a strategic shift towards integrating health management services with insurance offerings [1][3][8]. Group 1: Regulatory Approval and Company Initiatives - The Financial Regulatory Bureau has approved PICC Health to invest 200 million yuan to establish a wholly-owned health management company, which is the first non-financial subsidiary approved since the bureau's establishment [1][2]. - Since 2021, PICC Health has been planning to set up a health management company, and the approval received on August 20, 2025, is seen as a pivotal moment for the company [3]. Group 2: Industry Trends and Competitor Actions - Other insurance companies have also been actively investing in health management services, with examples including Pacific Insurance's health management companies and Sunshine Insurance's investments in hospitals [4]. - The integration of health management services into insurance offerings has become a consensus in the industry, with regulatory support encouraging insurance companies to provide health management services [5]. Group 3: Importance of Health Management - Health management services are categorized into seven types, including health check-ups and disease prevention, aimed at reducing medical expenses and improving health outcomes [6]. - The implementation of health management services is seen as a crucial strategy for insurance companies to mitigate risks and control costs associated with claims [7]. Group 4: Future Directions and Service Enhancements - PICC Health aims to create a comprehensive health management service system that transitions from traditional insurance reimbursement to a managed healthcare model, enhancing service capabilities [8]. - The company has established a health management team of over 400 personnel and has launched 760 standardized health management products, serving over 100 million people [8].

长沙晚报掌上长沙9月15日讯（通讯员 孙明）9月12日，人保财险湖南分公司首届理赔服务体验官活动启动仪式在 长沙举行。 理赔服务体验官常德市东亚汽车服务有限公司总经理陈演表示："作为理赔服务体验官，通过活动能够让我深入保 险公司、深入理赔一线，去近距离了解、观察整个理赔流程完整的体系，将真实的理赔体验分享给更多人，同时 把客户的需求反馈给保险公司，共同推动服务更贴合居民实际。" 活动现场，人保财险湖南分公司（以下简称"公司"）分别为5位来自保险、医疗、汽车服务、社区工作者、媒体等 不同领域的体验官代表颁发"理赔服务体验官"证书。 此次活动是人保财险湖南分公司深化服务转型的重要举措，通过"理赔服务体验官"的上岗，搭建公司与客户沟通 的桥梁，促进公司"好的理赔"持续提质升级，积极传递保险服务温度，为保险行业服务湖南经济社会高质量发展 和人民群众美好生活作出新的更大贡献。 体验官们观看了公司及理赔服务年报介绍，观摩了公司2025年理赔技能大赛决赛，并参观了解了公司创新研发的 风险减量管理系统，该系统通过构建"保险+风险减量服务+科技"风险减量服务体系，实现全周期风险管理，有效 降低灾害风险损失。 活动以构建"外部监 ...

Core Viewpoint - The 2023 National State-Owned Enterprise Management Think Tank Conference highlighted the modernization of state-owned enterprise management in China, showcasing innovative management practices and recognizing outstanding contributions in the field [1][3]. Group 1: Event Overview - The conference titled "A New Journey in the Modernization of State-Owned Enterprise Management" was held in Beijing on March 25, 2023 [1]. - The event featured the release of management innovation achievements, with over 4,300 submissions from central enterprises, local state-owned enterprises, research institutions, and universities [1]. Group 2: Recognition of Achievements - The Zhejiang branch of China Pacific Insurance Company received the second prize in the 2022 National State-Owned Enterprise Management Innovation Achievement Awards for its project on the "Construction and Application of the Elevator Full Lifecycle Smart Cloud Platform" [1][3]. - The awards aim to identify and summarize innovative management practices from various sectors to support the establishment of a modern state-owned enterprise system with Chinese characteristics [1]. Group 3: Innovation in Elevator Management - The Zhejiang branch has focused on addressing pain points in elevator management through a "risk reduction management" approach, forming a risk prevention team and utilizing IoT technology [3]. - The company developed the first comprehensive insurance model for elevators throughout their lifecycle, known as "Elevator Dingding," which includes pre-inspection and ongoing maintenance quality supervision [3]. - Since the launch of "Elevator Dingding," the elevator failure rate has decreased by 50%, major repairs have accelerated by over 90%, overall costs have reduced by 30%, and the rate of people trapped in elevators has dropped by 90% [3].

为防范灾害风险、减轻灾害损失，自2009年起，每年5月12日定为全国防灾减灾日。近日，国家减 灾委员会办公室发出关于做好2023年全国防灾减灾日有关工作的通知指出，今年5月12日是我国第15个 全国防灾减灾日，主题为"防范灾害风险 护航高质量发展"。 保险是现代经济的重要产业和风险管理的重要手段，是社会文明进步、经济发达程度、社会治理能 力的重要标志。保险业为群众生活恢复和企业复工复产保驾护航，发挥着风险管理、防灾减损的功能， 是社会的"稳定器"与经济的"助推器"。 中华保险始终牢记国有控股保险公司的使命担当，充分发挥专业能力，利用专业风险防范技术，积 极开展风险减量工作，建立一体化的防灾减损机制。2022年，中华保险共支付防灾减损费1.4 亿元，建 立防雹增雨、抗旱打井、防涝防洪及日常灾害监测预警预报机制；持续升级"卫星遥感火点监测""风险 管理地图""防雹体系建设"等应用场景；建立"人防+物防+技防"多维防控体系。 "一喷三防"减风险 心系三农守粮安 农业强国是社会主义现代化强国的根基，农业保险作为现代农业风险管理的基本手段，在保护国家 粮食安全、助推农业现代化方面发挥着越来越大的作用，逐渐成为解决"三农 ...

Core Viewpoint - The insurance mechanism is becoming a "key variable" in modern social governance, as highlighted by the 20th National Congress of the Communist Party of China, which emphasizes the need to improve the social governance system [1] Group 1: Role of China Life Insurance - China Life Insurance is leveraging its comprehensive financial advantages to enhance social governance effectiveness in areas such as medical security, elderly care, environmental governance, social management, and disaster prevention [1][2] - The company has integrated insurance mechanisms deeply into the national governance system, demonstrating a commitment to serving national development and protecting people's livelihoods [2][3] Group 2: Financial Performance - In 2024, China Life Property & Casualty Insurance's revenue surpassed 100 billion yuan for the first time, marking a significant milestone in its financial performance [2] - The company ranked 36th among the global top 50 property and casualty insurance companies, reflecting its growing competitiveness and influence in the market [2] Group 3: Case Studies in Shanxi - The implementation of the traffic accident social rescue fund in Shanxi has provided timely assistance to over 23,596 individuals affected by traffic accidents, with a total aid amount exceeding 716 million yuan [4] - The "Green Guardian" insurance developed for forest rangers offers 138 billion yuan in risk protection, showcasing the company's commitment to ecological conservation [5] Group 4: Community Engagement - The "Hundred Districts and Hundred Towns" project has established comprehensive financial service stations across 68 counties and 100 towns, providing essential services to local communities and creating over 1,021 job opportunities [6] - These service stations not only offer financial services but also empower rural governance by connecting local residents with insurance and financial products [6] Group 5: Risk Management Innovations - China Life Insurance has implemented a "risk reduction" model that combines insurance with proactive risk management, having identified over 1.5 million safety production hazards across various enterprises [7] - The company has sent over 10 million disaster warning messages, demonstrating its commitment to risk prevention and management [11] Group 6: National Implications - The practices in Shanxi serve as a model for nationwide implementation, illustrating how financial insurance can effectively participate in social governance [8][11] - The integration of insurance into social governance is seen as a crucial element in building a multi-layered social security system, contributing to China's modernization efforts [12]

中国再保开发多个具有自主知识产权的巨灾风险模型，涵盖地震、台风、洪水等灾害；太保产险自主研 发巨灾风险减量数智化平台"风险雷达"，构建灾害损失预警模型，实现数字化、可视化、智能化的防灾 减灾一体化管理；中国人保自主研发"巨灾安澜"平台，为风险减量服务提供技术支撑，依托"巨灾经 纬"可视化平台实现风险地图动态监测，解决承保策略执行难、风险累积监测难等问题。 巨灾保险的实施离不开跨行业协作。此前发布的《关于加强金融气象协同联动、服务经济社会高质量发 展的指导意见》指出，要推动巨灾保险发展，研究极端天气气候事件和气象灾害对金融机构和金融市场 的影响，拓展人工影响天气在农业保险业务上的防灾减灾服务。 作为经济"减震器"和社会"稳定器"，保险业在防灾减中发挥着重要作用。其中，自然灾害发生后，巨灾 保险可以为受灾地区提供经济补偿，帮助受灾居民和企业快速恢复生产生活，越来越受到关注。 2025年5月4日22时30分许，受强对流天气影响，四川省汶川县突发短时大风天气灾害，造成县域内多处 民房受损。经现场查勘核实，人保财险阿坝州分公司第一时间赔付漩口镇百花村受灾群众杨清洪家本次 事故损失340元。 虽然金额不大，但这笔迅速赔付 ...

Core Viewpoint - Agricultural insurance plays a crucial role in ensuring the stable production and supply of essential agricultural products, directly impacting food security and consumer levels in society [1] Group 1: Agricultural Insurance in Sichuan - Sichuan is recognized as a strategic base for ensuring the supply of important primary products, particularly in pig and grain production [1] - The "Chuan Nong Bao" platform developed by PICC Sichuan provides a comprehensive service system for pig insurance, enhancing efficiency in underwriting and claims processing [2][3] - The platform utilizes satellite remote sensing technology for accurate underwriting and integrates features for precise claims matching, ensuring a closed-loop management from underwriting to claims [2] Group 2: Insurance Products and Coverage - In recent years, PICC Sichuan has focused on price insurance needs, helping large-scale farmers and enterprises mitigate market price risks [3] - The pig insurance products cover various types of pigs and risks throughout the production lifecycle, including mortality, cost loss, market, and income risks [3] - In 2024, PICC Sichuan insured 22.88 million pigs, providing risk coverage of 25.98 billion yuan and direct compensation of 516 million yuan [3] Group 3: High-Standard Farmland Insurance Model - PICC Sichuan has adopted an "insurance + technology + service" model to support high-standard farmland construction, enhancing professional risk management capabilities [4][5] - The company employs new technologies like satellite remote sensing and drones for loss assessment, improving operational efficiency [4] - A comprehensive management mechanism has been established to ensure effective implementation of high-standard farmland insurance, covering over 900,000 acres with risk coverage exceeding 1.3 billion yuan [5] Group 4: Food Security Initiatives - To strengthen food security, PICC Sichuan designs insurance products based on seasonal agricultural activities, compensating for additional costs incurred during adverse weather conditions [6] - The company promotes a risk management transition from "risk equalization" to "risk reduction," enhancing farmers' resilience against risks [6] - From 2022 to 2024, PICC Sichuan insured 49.19 million acres of major grains, providing risk coverage of 41.6 billion yuan and paying out 1.095 billion yuan in claims [6]