连日来，深圳多家头部寿险机构公布理赔半年报，其中多个数据与深圳年轻人健康趋势息息相关，值得 留意。南都湾财社记者梳理各方数据注意到，深圳青少年高发重疾是白血病，中青年以甲状腺恶性肿瘤 为主，老年人则是肺恶性肿瘤，需重点关注。 年轻人的最大"杀手"是甲状腺恶性肿瘤 平安人寿深圳分公司提供的数据显示，今年上半年其重疾赔付超过3300件，赔付金额近6个亿。 从疾病类型看，恶性肿瘤(重度)占重疾赔付超八成，是威胁市民健康的首要风险；男性心血管疾病(如较 重急性心肌梗死)、女性甲状腺恶性肿瘤赔付占比较高，呈现性别化疾病风险特征。 从重疾赔付TOP5(不含轻度重疾)数据看，恶性肿瘤(重度)占比达到81%；紧随其后是较重急性心肌梗死 (7%)、严重脑中风后遗症(2%)、严重慢性肾衰竭(2%)、严重非恶性颅内肿瘤(1%)。在轻度重疾赔付 TOP5中，原位癌比重则达到46%。 年龄分布上，白血病是20岁以下青少年高发重疾。而在21-30岁区间，年轻人的最大"杀手"是甲状腺恶 性肿瘤。上述数据显示，该年龄段重疾理赔高发癌症件数占比达46%。肺部恶性肿瘤则在41岁以上人群 中占比攀升，疾病风险随年龄呈现差异化。 上半年深圳一宗身故 ...

国家金融监督管理总局31日向各金融监管局、保险业协会、各保险公司印发《关于推动城市商业医疗险 高质量发展的通知》，要求城市商业医疗险突出普惠定位，坚守商业属性，遵循保险规律，规范精准定 价。 据了解，城市商业医疗险即"惠民保"是由地方政府及相关部门指导、保险公司商业运作、与基本医保衔 接的商业保险，具有投保门槛低、保费低、保额高等特点。近年来，城市商业医疗险在多地落地并快速 发展，满足人民群众多层次多样化的健康保障需求。 通知还要求城市商业医疗险规范精准定价。要遵循风险对价原则，实现差异化定价，原则上应当基于不 同群体的年龄、性别、健康状况等因素进行相应的责任分级或费率分组，不断提升产品和服务的公平性 和适配性。对于首次纳入保险合同的责任，应当基于历史经验数据和医疗、医保、医药等相关方提供的 基础数据，科学准确定价。 数据显示，2024年我国商业健康保险保费收入合计近万亿元，2025年上半年保费收入6223亿元，近10年 年均增速约20%，累计支付赔款2.6万亿元，目前还积累了超过2.5万亿元的长期责任准备金，将成为人 民群众未来健康保障的储备。 （文章来源：新华社） 通知明确城市商业医疗险应突出普惠定位。保 ...

Core Viewpoint - The issuance of the "Notice" by the National Financial Supervision and Administration aims to promote the high-quality development of urban commercial health insurance, emphasizing inclusivity, commercial attributes, product management, risk management, and market order [1][7][9] Group 1: Regulatory Framework - The "Notice" serves as an implementation and extension of the State Council's opinions on strengthening regulation and preventing risks in the insurance industry, marking a new phase for urban customized commercial health insurance [1][7] - It emphasizes the need for insurance companies to operate autonomously while ensuring that the insurance products meet the needs of the public for quality medical coverage [3][6] Group 2: Product Development and Management - The document highlights the importance of optimizing the supply of urban commercial health insurance products to include new medical technologies, drugs, and devices, ensuring broad coverage and reasonable premiums [2][4] - As of 2024, over 90% of "惠民保" products include specific high-cost drug claims, with the number of drugs covered increasing from 2021 to 2024, reaching 672 [2][8] Group 3: Pricing and Risk Management - The "Notice" mandates that insurance companies adopt precise pricing strategies based on historical data, ensuring that premium rates align with the level of coverage provided [3][5] - It encourages the establishment of a data-driven pricing and underwriting mechanism to enhance risk management capabilities across the insurance value chain [8][9] Group 4: Market Order and Consumer Protection - The document calls for improved sales practices, requiring clear communication of product functions and protections for consumer rights [6][7] - It stresses the need for fair competition among insurance companies, discouraging low-price, disorderly competition, and promoting diverse product offerings [6][7] Group 5: Industry Development and Future Outlook - The "Notice" is seen as a significant step towards refining the operational boundaries of urban commercial health insurance, transitioning from rapid growth to meticulous management [7][8] - It reinforces the role of commercial health insurance as a vital supplement to basic medical insurance, aiming to fill coverage gaps for high-cost medical expenses [2][7]

早在今年3月，陆家嘴曾发布公告称，决定聘任王岗担任公司副总经理。王岗出生于1982年6月，曾任上 海国盛（集团）有限公司资本运营部副总经理，海通证券股份有限公司风险管理部总经理，上海海通证 券资产管理有限公司党总支书记、总经理等。 今年5月，据证券时报报道，陆家嘴副总经理王岗有望出任陆家嘴信托董事长，但此次人事调整尚需完 成相关公司治理程序和监管流程。在此之前，陆家嘴信托的董事长即黎作强。 时隔八年，陆家嘴国泰人寿董事长调整。 近日，陆家嘴国泰人寿保险有限责任公司（下称陆家嘴国泰人寿）披露的2025年第二季度偿付能力报告 显示，经股东方提名，并经公司股东会、董事会于5月29日召开的相关会议选举，王岗拟接替黎作强担 任公司第六届董事会董事、董事长，该任命自王岗相关任职资格获得监管核准且公司发文任命之日起生 效。在王岗正式履职前，黎作强继续履行公司董事长职责。 出生于1966年的黎作强即将年满60周岁，他曾任上海陆家嘴（集团）有限公司党委委员、副总经理，陆 家嘴董事，上海陆家嘴金融发展有限公司董事长、陆家嘴国际信托有限公司董事长等职务。 就在陆家嘴国泰人寿召开股东会和董事会宣布人事调整之后，5月31日，上海陆家嘴 ...

连日来，深圳多家头部寿险机构公布理赔半年报，其中多个数据与深圳年轻人健康趋势息息相关，值得 留意。南都湾财社记者梳理各方数据注意到，深圳青少年高发重疾是白血病，中青年以甲状腺恶性肿瘤 为主，老年人则是肺恶性肿瘤，需重点关注。 白血病是青少年高发重疾，原位癌需重视 平安人寿深圳分公司提供的数据显示，今年上半年其重疾赔付超过3300件，赔付金额近6个亿。 （数据来源：平安人寿深分） （数据来源：平安人寿深分） 年龄分布上，白血病是20岁以下青少年高发重疾。而在21-30岁区间，年轻人的最大"杀手"是甲状腺恶 性肿瘤。上述数据显示，该年龄段重疾理赔高发癌症件数占比达46%。肺部恶性肿瘤则在41岁以上人群 中占比攀升，疾病风险随年龄呈现差异化。 | 癌症类型 | 重疾险理赔中高发 癌症件数占比 | 初筛手段 | | --- | --- | --- | | 肺恶性肿瘤 68 | 14.8% | 低剂量螺旋CT | | 一 肠恶性肿瘤 | 8.5% | 肠镜 | | (只) 甲状腺恶性肿瘤 | 7.5% | 甲状腺B超 | | C 肝和肝内胆管恶性肿瘤 | 5.3% | 腹部超声、血清AFP 标记物检测 | | 2 胃恶 ...

面对洪涝等突发灾害，你是否储备了足够的知识来保护自己和家人？ 连日暴雨席卷全国各地、地震引发海啸预警波及沿海……极端天气频频登上热搜，我们深刻体会到： 平安是福，也需要未雨绸缪、防患未然。 1. 防灾准备： 日常生活中需要哪些基础准备？ 2. 灾难与公共卫生知识： 了解各类灾害的原理与风险。 3. 生活场景实用应对： 遇到灾情如何紧急处理？如何在非常时期照料宠物？ 如何制作简易生存用品？ 也许灾难无法预知，但防范必须积极。 以下这两类准备，可能就在关键时刻为你和家人撑起一片安全空间。 ⛑️ 知识准备：让头脑成为"急救包" 一本清晰实用的防灾手册，是知识储备的核心。 《第一财经》杂志旗下「未来预想图」联合专家团队编撰的 《防灾，原来如此！》 ，正是这样一本全 彩指南。它从五大维度系统展开： 4. 应急治疗对策： 掌握基础的急救和医疗知识。 5. 灾后生活重建： 灾后如何回归正常生活？如何寻找心理支援？ 如何帮助弱势群体？ 如何应对洪涝❓供水中断如何解决❓户外如何蓄水❓ 如何制作简易厕所❓如何制作简易卫生巾/尿布❓ 灾难降临时，你是否能周到地顾及身边的 孕妇、儿童、老人乃至宠物 的特殊需求？ /保险——极端天气重 ...

受隔夜纽约股市纳斯达克股指收高、日经指数股指期货上扬鼓舞，东京股市两大股指31日小幅高开，其 后大盘获得拉升、快速上扬。韩国三星公司财报显示手机业务增收增益，对此间村田制作所、TDK等 电子部件制造商股票形成利好。当天东京外汇市场日元对美元汇率明显走软也助推机械等出口类股票上 涨。 至收盘时，日经指数上涨415.12点，收于41069.82点；东证指数上涨22.89点，收于2943.07点。 新华财经东京7月31日电（记者刘春燕）东京股市两大股指31日上涨。日经225种股票平均价格指数收盘 上涨1.02%，东京证券交易所股票价格指数上涨0.78%。 从板块来看，东京证券交易所33个行业板块多数上涨，有色金属、保险业、玻璃及土石制品等板块涨幅 靠前；金属制品、运输机械、钢铁等6个板块下跌。 （文章来源：新华财经） ...

Core Viewpoint - Swiss Re expresses optimism about the future of China's life and health insurance market despite current challenges such as declining interest rates and weak demand [1][3] Group 1: Current Challenges - The life and health insurance industry in China faces two main challenges: declining consumer confidence leading to reduced purchases, and lower interest rates impacting insurance companies' profitability [2][4] - Global life insurance premium growth is expected to slow down to approximately 1% in 2025, with China's life insurance market growth also slowing to 2.8% [2][3] Group 2: Future Growth Projections - Swiss Re predicts that over the next decade, the growth of life and health insurance premiums in China will exceed GDP growth, with China's share in the global life and health insurance market expected to rise to 17% [1][3] - The expansion of the middle-income group, increasing risk awareness, and the growing role of insurance in social security systems are key factors driving this growth [3][4] Group 3: Opportunities in the Market - Three major opportunities are identified for the life and health insurance market in China: 1. Demographic changes, with the proportion of the population aged 60 and above expected to rise from 22% in 2024 to 30% by 2035, increasing demand for retirement financial products [4][5] 2. Targeted policy reforms that clarify the roles of basic medical insurance and commercial insurance, facilitating the introduction of innovative products [4][6] 3. Further opening of the medical industry to foreign investment, encouraging the establishment of foreign-owned hospitals and enhancing innovation in health insurance products [4][6] Group 4: Product Development - The insurance industry needs to develop "convertible products" that evolve from initial death coverage to later-stage income protection and nursing care, aligning with customers' changing needs throughout different life stages [6]

Group 1: Emergency Response and Public Safety - The Shanghai police quickly activated an emergency response to ensure public safety and protect citizens' lives and property during Typhoon "Zhu Jie Cao" [2][3] - Over 3100 traffic police were deployed across key intersections to manage traffic and handle accidents, ensuring safe transportation during the storm [2] - A total of 454 emergency incidents related to road flooding, fallen trees, and public assistance were reported and addressed promptly by the police [3] Group 2: Agricultural Supply and Food Security - As of July 30, 89,000 acres of vegetable greenhouses and 23,000 acres of fruit greenhouses were reinforced to protect crops from the typhoon [4] - The Shanghai Vegetable Group reported that vegetable prices were approximately 20% lower than the previous year due to favorable weather conditions in major production areas [4][5] - The Shanghai Commerce Commission is actively monitoring supply chains and has implemented measures to ensure food safety and availability during the storm [5] Group 3: Power Supply and Infrastructure - The Shanghai power supply company responded quickly to power outages caused by the typhoon, restoring power to affected areas within a short time frame [7] - By 5 PM, over 90% of power network faults caused by the storm had been repaired, and the main power grid was operating smoothly [7] Group 4: Tree and Road Maintenance - A total of 3,423 personnel were mobilized to address fallen trees and road maintenance, with most incidents resolved within 30 minutes [8][9] - The city reported 437 trees had fallen due to the typhoon, and all were promptly dealt with to ensure public safety [9] Group 5: Transportation and Travel Safety - Many flights were canceled at Shanghai's two major airports, and additional staff were deployed to assist passengers with rebooking and inquiries [10] - The railway system implemented temporary speed restrictions on certain routes and conducted thorough inspections to ensure safety [10] Group 6: Insurance and Claims Processing - Insurance companies in Shanghai quickly processed claims related to vehicle damage caused by the typhoon, with some claims completed in under 30 minutes [11] - A significant number of insurance personnel were mobilized to assess damages and assist affected clients promptly [11]

Group 1: Offshore Financial Development - The successful issuance of offshore bonds in Shanghai Free Trade Zone, with a scale of 500 million yuan, supports overseas entities in raising funds in international markets, marking a significant step in the development of offshore RMB bonds [2] - The new pilot scheme for offshore trade finance aims to streamline the settlement process from 2-3 days to "second-level," enhancing competitiveness with established offshore centers like Hong Kong and Singapore [2] - As of July 18, participating offshore trade companies completed 22 transactions with a total cross-border payment of 648 million yuan [2] Group 2: Growth in Offshore Trade - In Q1 2025, the offshore trading volume in the Lingang New Area reached approximately 8.15 billion USD, reflecting a year-on-year growth of 56.67% [3] - The Lingang New Area plans to leverage its offshore trade platform and financial pilot to create a model for global order reception, overseas processing, and settlement in Lingang [3] Group 3: Financial Market Infrastructure - Shanghai is recognized as one of the cities with the most comprehensive global financial factor markets, including stocks, bonds, futures, and gold markets, alongside essential financial infrastructure [4] - Recent regulatory measures have further strengthened Shanghai's position as an international financial center [4] Group 4: Cross-Border RMB Payment System - The CIPS (Cross-Border Interbank Payment System) has launched RMB international letter of credit services, enhancing convenience for enterprises in RMB trade settlements [7] - In the first half of the year, Shanghai's cross-border RMB payment totaled 16.2 trillion yuan, a year-on-year increase of 15%, maintaining its leading position nationally [7] Group 5: Foreign Investment and QDII Expansion - A new batch of QDII (Qualified Domestic Institutional Investor) quotas totaling 3.08 billion USD has been approved, allowing foreign banks to support clients in global asset allocation [8][10] - The expansion of QDII quotas is expected to enhance the ecosystem for capital market flows and inject long-term confidence into the market [10] - Foreign financial institutions are accelerating their presence in Shanghai, with significant investments in various sectors, including insurance and asset management [10]