保险机制正在成为社会治理现代化的"关键变量"。 党的二十届三中全会明确提出"健全社会治理体系"。作为国民经济的血脉，金融活则经济活，金融承载 着社会资源配置的关键作用，更是社会治理和国家治理的关键一环。作为国有大型金融机构，中国人寿 （601628）立足金融保险"两器三网"的功能定位，发挥综合金融优势与业务协同效应，积极助力提升社 会治理效能，在医疗保障、养老保障、环境治理、社会管理和自然灾害预防等领域"大有可为"，以"金 融保险之力"嵌入"社会之治"，连接有效市场和有为政府。 在"一个国寿一生守护"的铿锵承诺里，中国人寿以金融保险为钥，正在打开社会治理现代化的新图景。 在黄土高原的沟壑间，一场以保险为支点的社会治理变革正在悄然发生。三晋大地之上：山西省道路交 通事故社会救助基金的"生死时速"，林业保险"五个一"行动的生态守护，综合金融服务站的便民温 度……这些鲜活场景，勾勒出中国人寿作为保险"头雁"为民筑盾、为农赋能、为企护航，有效赋能社会 治理的高质量发展路径。 数据显示，2024年以来中国人寿财险山西分公司累计提供风险保障9.23万亿元，赔付支出44.97亿元，惠 及省内120万农户、8700名护林员， ...

Group 1: Core Insights - The implementation plan for high-quality development of inclusive finance in the banking and insurance sectors aims to strengthen the inclusive insurance system, enhance product offerings, and improve service quality over the next five years [2][10] - Recent policies have led to the development of affordable and accessible insurance products tailored for specific groups, addressing the needs of chronic disease patients and new urban residents [3][4] Group 2: Product Development and Innovation - ZhongAn Insurance has improved its medical insurance product to provide long-term medication coverage for chronic disease patients, focusing on their specific needs [3] - Taiping Life launched a targeted accident insurance product for new urban residents, covering high-risk occupations and enhancing the insurance safety net for this demographic [4] Group 3: Support for Small and Micro Enterprises - The implementation plan emphasizes the development of insurance products that cater to the needs of small and micro enterprises, enhancing their risk management capabilities [5] - China Export Credit Insurance Corporation has established a unified insurance platform to support small foreign trade enterprises, facilitating access to financial resources and professional support [6][7] Group 4: Sustainable Development of Inclusive Insurance - The sustainable development of inclusive insurance requires a balance between affordability and quality, with a focus on effective risk measurement and service coverage [9] - Companies are encouraged to optimize pricing models, enhance service offerings, and leverage digital technologies to improve operational efficiency and reduce costs [9] Group 5: Regulatory and Evaluation Mechanisms - The plan includes integrating the development of inclusive insurance into the regulatory evaluation system for insurance companies, establishing assessment mechanisms for inclusive insurance products and services [10] - The importance of setting scientific standards for evaluating inclusive insurance products is highlighted, emphasizing the need for transparency and consumer protection [10]