在东海之滨，以"书藏古今，港通天下"闻名的宁波，兼具"东方大港"的开放气度与"制造业强市"的雄厚 根基。作为服务地方经济社会发展的重要金融力量，中国人寿（601628）保险股份有限公司（以下简 称"中国人寿"）宁波市分公司根植这片充满活力与底蕴的热土，始终秉承央企使命，以创新的服务理念 与务实的惠民举措，为甬城千家万户构筑风险屏障，守护宁波市民的美好生活。 发展普惠金融 织就民生保障"幸福网" "本来是我一个人忙不过来，辛苦你们了，服务态度也好，我老爸很喜欢你们嘞。"失能人员王先生的女 儿说道。 为应对人口老龄化过程中的失能人员护理难题，被称为社保"第六险"的长期护理保险应运而生，宁波成 为全国首批长期护理保险国家试点城市之一。作为中国人寿驻宁波分支机构，中国人寿宁波市分公司积 极响应当地医保部门号召，深度参与长护险第三方委托经办服务工作。截至目前，奉化、宁海、象山三 地的参保人数已达162万人，其中5067人享受了长护险待遇。与此同时，该公司持续深化个人养老金试 点工作，加快对个人养老金业务的产品布局，充分发挥其作为养老保障体系第三支柱的作用，为宁波市 民的养老规划提供了更多选择。截至今年6月末，自个人养老 ...

Core Insights - The introduction of the "Enterprise Safety Insurance" (企安保) by China Life's Wenzhou branch has been recognized as a significant initiative in the local insurance industry, providing essential coverage for employees in private enterprises [1][2] - The insurance program aims to mitigate risks for small and micro enterprises, which often struggle with financial stability in the event of employee accidents [2][3] Group 1: Insurance Product Overview - The "Enterprise Safety Insurance" provides comprehensive coverage for various risks, including accidental death, disability, medical expenses, and hospitalization allowances [2] - As of June 2023, the program has insured 11,288 companies and provided risk coverage for 318,500 employees, with a total insured amount reaching 2,659.46 billion [1] Group 2: Market Demand and Innovation - The product was designed to address market pain points, particularly for new and transient workers in Wenzhou's private sector, where accident rates are higher [2] - The launch of the "Enterprise Safety Insurance" cloud assistant platform enhances customer experience by simplifying the insurance process, allowing for online policy creation, payment, and issuance [2] Group 3: Community Engagement and Service - The company actively engages with local communities and enterprises to promote the insurance program, ensuring that it reaches all potential clients [3] - A "green channel" for claims has been established to expedite the claims process, ensuring that eligible claims are processed quickly and efficiently [3]

Group 1 - The first specialized law for the private economy in China, the "Law on Promoting the Private Economy of the People's Republic of China," will officially take effect on May 20, with a focus on enhancing insurance coverage for private enterprises [2] - The Financial Regulatory Administration's action plan emphasizes strengthening insurance protection for the private economy as a key task, with specific policies outlined in Chapter 3 of the private economy promotion law [2] - The plan includes the development of specialized insurance products for private enterprises in areas such as disaster recovery, labor protection, and technological research and development [2] Group 2 - Over 92% of the 420,000 high-tech enterprises in China are private, highlighting the importance of risk protection for these companies [3] - Human Insurance Property & Casualty has launched "Kehui Bao" in Jiangsu to cover risks related to equipment failure and obstacles in result transformation, providing over 10 billion yuan in coverage [3] - China Life Property & Casualty has innovated a "Cybersecurity Insurance+" project, creating a comprehensive protection mechanism from pre-incident prevention to post-incident claims [3] Group 3 - Insurance institutions have introduced various inclusive products targeting the new citizen group concentrated in private enterprises, with China Life's "Enterprise Security Insurance" covering 14,000 small and micro enterprises [4] - The pilot service for new employment form occupational injury protection has reached over 34.47 million people [4] - Ping An Property & Casualty has partnered with Meituan to offer daily insurance for delivery riders, providing coverage for an average of 950,000 people daily [4] Group 4 - Under the guidance of the "Guiding Opinions on the High-Quality Development of New Energy Vehicle Insurance," the Shanghai Insurance Exchange's "Good Insurance for Cars" platform has connected with 22 insurance companies, covering 412,000 new energy vehicles and providing 397.6 billion yuan in protection [5] - Major insurance companies have seen a 4-5 percentage point decrease in the comprehensive cost rate for new energy vehicle insurance compared to 2023, with the market expected to exceed 190 billion yuan by 2025 [5] - In the first four months of this year, the total compensation amount in the insurance industry reached approximately 1 trillion yuan, with new energy vehicle insurance coverage surpassing 10 million vehicles [5]

Core Viewpoint - China Life Insurance actively implements the business philosophy of "One China Life, One Life Protection," providing comprehensive financial services including insurance, investment, and banking to support the development of the private economy. Group 1: Credit Support for Small and Micro Enterprises - China Life's subsidiary, Guangfa Bank, has established credit relationships with small and micro enterprises, such as Qiangchun Technology Co., which received a loan of 2.56 million yuan and later increased to a maximum credit of 3 million yuan [1][2] - Guangfa Bank has provided financing support exceeding 11.6 billion yuan to over 5,000 small and micro business owners in Hangzhou, with a total balance of inclusive loans for small enterprises reaching 196.1 billion yuan nationwide, reflecting a growth of approximately 9% since the beginning of 2024 [2] Group 2: Insurance Products for Small and Micro Enterprises - China Life has developed targeted insurance products for small and micro enterprises, providing employee protection for over 50,000 companies in Zhejiang alone in 2024 [3] - The company has launched specialized insurance products for technology enterprises, including intellectual property infringement liability insurance and data infringement loss compensation insurance, serving over 130,000 small and micro enterprises in Zhejiang [3] Group 3: Investment Support for Private Enterprises - China Life has leveraged its insurance funds to support private and small enterprises with an investment scale exceeding 240 billion yuan by the end of 2024 [5] - The company has invested in various private enterprises, including significant stakes in well-known companies such as CATL, Tencent, Midea, and Alibaba, with over 50% of the top ten holdings being private enterprise stocks [6] Group 4: Comprehensive Financial Services - China Life integrates various financial resources, including equity investment, banking settlement services, and equity financing consulting, to provide a full range of financial and non-financial services to small and micro enterprises [4] - The company emphasizes its commitment to supporting the private economy as part of its broader strategy to enhance financial services for the real economy [6]