12月18日，海南全岛正式启动封关运作。中国人寿寿险公司相关负责人表示，考虑到封关后国内外 游客往来更加便利的趋势，该公司精准对接旅游新业态风险保障需求。目前，针对游艇出海、雨林探 险、潜水体验等特色项目，创新推出场景化意外保障方案；同时，联动旅行社、海南大学等机构定制研 学意外保障方案，兼顾休闲度假与研学实践的安全需求。 消费不仅关系经济发展，而且与民生改善紧密相关。《金融时报》记者注意到，今年以来，保险业 继续发挥风险保障和资金融通功能，深度参与消费场景创新与升级，为居民"敢消费""愿消费"注入信 心。 保险服务聚焦新消费新场景 江苏省城市足球联赛（以下简称"苏超"）无疑是今年夏天最火爆的体育赛事，"足球+"效应撬动了 江苏全域消费增长。"苏超"的火热不仅点燃了城市的激情，更激发了保险公司的创新服务响应，多家保 险公司围绕赛事推出"观赛+出行"综合保障产品。 作为官方供应商，紫金保险为"苏超"量身定制赛事综合责任险、工作人员意外险、公众责任险等专 属保障方案，覆盖赛事组织、现场观众及工作人员等多维度风险，确保赛事安全顺利举行。 在南京，人保财险江苏分公司为6万多名现场球迷及参赛球员提供高达5000万元的公 ...

【法官释法】 又是一年滑雪季即将到来，本案的处理，旨在明确高危险性体育项目的经营者对于来其场所内参与高危 运动的滑雪者负有合理限度内的安全保障义务，如果未能尽到合理限度内的安全保障义务，导致参与滑 雪人员损害的，需承担相应的赔偿责任。同时，高危险运动的参与者应当了解相关运动的高风险性，应 当尽到相较一般运动更高的自身安全注意义务，否则，一旦发生安全事故有可能需自担责任。 供稿：宝鸡渭滨法院 【基本案情】 冬日的一天，原告张某与朋友来到被告宝鸡某公司经营的滑雪场，购票后穿上雪橇进入滑雪场。原告因 初次滑雪，在滑行前向滑雪场导滑员请求指导，导滑员未予指导，原告随即自行从滑道顶部滑下，滑行 中因身体失去平衡摔倒受伤。后经送医诊治，被诊断为右侧肱骨粉碎性骨折。原告认为滑雪场内的导滑 员，在明知原告初次滑雪、没有任何经验的情况下，放任原告独自在雪道上滑雪，既未在旁辅助，亦未 采取相应的防护措施，未尽到安全保障义务，对事故的发生具有过错，要求被告承担相应民事责任，赔 偿其经济损失8万余元。被告认为原告自愿参加有一定风险的文体活动，应自行承担损害风险，其公司 已尽到了安全保障义务，不存在过错，不应当承担责任。 【裁判结果】 ...

截至目前，公司政策性农业保险累计为111.69万户次农户提供330.25亿元风险保障，向7.83万户次受灾 农户支付理赔款1.42亿元，在霜冻、雪灾等自然灾害面前，为高原农牧业生产撑起"防护网"，助力藏区 群众稳产增收。 立足迪庆作为国家生态安全屏障的定位，公司深入践行"两山"理念，大力发展绿色保险，为生态环境保 护与绿色发展提供风险保障116.55亿元，在长江上游的生态版图上书写保险担当。 转自：新华财经 筑牢"三农"压舱石、守护绿水青山、赋能实体经济、护航文旅产业……中国人寿财产保险股份有限公司 迪庆州中心支公司坚守金融为民初心，将保险服务的触角延伸至雪山草甸、千家万户。 截至2025年11月末，公司累计提供各类风险保障404.1亿元，支付赔款3948.78万元，以坚实保障为边疆 民族地区高质量发展注入金融"活水"。 作为服务"三农"的金融主力军，公司连续九年深耕政策性农业保险，构建起覆盖传统种植养殖与高原特 色产业、融合科技赋能与精准服务的农险保障体系。通过无人机、生物识别等技术手段，公司不断提升 承保理赔的精准性与时效性，实现"数据多跑路、农牧民少跑腿"。 为支持"世界的香格里拉"旅游品牌可持续发展， ...

来源：金融时报 记者：李丹琳 "本以为自己买了普通意外险就万事大吉了，结果没想到前几天滑雪意外骨折后，保险公司说这属于高 风险运动，一分钱都没赔。"来自北京的滑雪爱好者庞女士对《金融时报》记者说："原来，滑雪保险还 有这么多门道呢！" 随着雪季来临，越来越多的像庞女士这样的滑雪爱好者参与其中，但不少人都和她一样，对与滑雪有关 的保险存在认知盲区。滑雪保险到底该不该买？怎么买？怎么做才能既不花冤枉钱，又能做好保障？记 者日前就相关话题采访了业内人士。 不少消费者疑惑，雪场门票中已经包含了一份"保险"，还有必要再单独买吗？据悉，滑雪场门票中包含 的保险为基础保险，通常为公众责任险，主要规避因景区管理的过失，导致消费者在游玩过程中受伤或 者产生财产损失。换言之，该保险仅针对滑雪场责任导致的事故，而不覆盖游客自身因滑雪活动造成的 摔伤、碰撞等意外。因此，一份针对消费者个人的滑雪保障是必要的，特别是对滑雪新手而言。 另外，庞女士的疑惑也困扰着不少雪友——为何普通的意外险"防不住"滑雪风险呢？ 记者采访了解到，这与保险的分级有关。"保险对风险有着较为严格的分级，像滑雪、潜水、跳伞、攀 岩等属于高风险运动，多数普通综合意外 ...

Core Insights - The Hong Kong Tai Po fire has raised significant concerns regarding insurance claims and the adequacy of coverage for affected residents [1][2][3] - The total insured amount for the property is HKD 2 billion, with various insurance products in place, including property insurance, public liability insurance, and home insurance [4][5][10] - The insurance industry is responding quickly, with multiple companies activating emergency claims procedures to ensure timely support for affected families [11][12] Insurance Coverage and Claims - The insurance coverage for the Tai Po estate includes property insurance with a sum insured of HKD 2 billion, public liability insurance, and home insurance for individual residents [5][10] - As of December 2, Taiping Hong Kong has completed claims for 12 households, totaling HKD 7.272 million, and has committed to expedite claims processing [2][11] - The reinsurance mechanism plays a crucial role in absorbing losses, with primary insurers retaining only a small percentage of the risk [2][8] Market Response and Trends - Following the fire, there has been a notable increase in public interest in disaster prevention knowledge and home insurance, with user engagement on related platforms rising significantly [3][12] - The fire has highlighted the need for improved fire safety measures and insurance coverage in older residential buildings in Hong Kong [12][14] - The incident has prompted discussions about the necessity of enhancing the home insurance market in mainland China, where penetration rates remain low [12][13][14] Regulatory and Industry Developments - The National Financial Regulatory Administration has urged insurance companies to streamline claims processes and provide timely support to disaster-affected residents [2][11] - There is a growing emphasis on developing inclusive home insurance products to increase market penetration and consumer awareness [13][14] - The insurance industry is encouraged to innovate and diversify home insurance offerings to better meet consumer needs and enhance risk management [14][15]

Group 1 - The 2025 Shanghai Marathon was inaugurated at the Bund Jin Niu Square, with China Pacific Insurance (CPIC) serving as the official insurance sponsor for the fourth consecutive year [2] - CPIC provided comprehensive risk coverage with a total insurance amount of nearly 20 billion yuan, including personal accident insurance, public liability insurance, and accidental medical insurance for all participants and staff [2] - A dedicated claims team and a green claims channel were established, offering a bilingual service hotline and simplified paperless real-time compensation for claims under 10,000 yuan, enhancing the overall service experience [2] Group 2 - Changjiang Pension Insurance launched a creative mini-game called "Life Track Simulator" on WeChat, allowing users to input their age and income to generate a personalized retirement financial handbook [2] - The company designed a visual comparison of "Corporate Annuity Growth Curve" and "Marathon Champion Completion Time," illustrating the value of early accumulation and long-term savings in retirement financial planning [2] - CPIC and Changjiang Pension will continue to uphold their service philosophy of responsibility, wisdom, and warmth, supporting participants in their life marathons [3]

Core Viewpoint - The insurance industry in Hong Kong has demonstrated its critical role as a stabilizer in society by effectively responding to the recent fire incident at Hongfu Garden, showcasing the importance of emergency response and claims processing in the face of major disasters [2][5][9]. Group 1: Emergency Response and Claims Processing - China Taiping Insurance (Hong Kong) has completed the first batch of home insurance claims related to the fire, paying out 5.372 million HKD [1]. - Following the fire on November 26, multiple insurance companies activated emergency claims services, including green channels for claims, rescue assistance, and simplified procedures [3][4]. - The total insured amount for the property insurance of Hongfu Garden and its public areas is 2 billion HKD, with industry assessments indicating that losses may approach this payout limit [1][5]. Group 2: Reinsurance System and Risk Management - The reinsurance system has played a vital role in sharing the risk associated with the 2 billion HKD insurance coverage, preventing any single insurer from facing overwhelming financial burdens [5][7]. - China Taiping and other reinsurers have confirmed their involvement in the reinsurance of the Hongfu Garden project, ensuring that claims processing is expedited and efficient [6][8]. - The reinsurance mechanism allows for effective risk dispersion, which is essential for maintaining market confidence during significant disaster events [7][9]. Group 3: Importance of Comprehensive Insurance Coverage - The incident highlights the necessity for building managers to prioritize adequate insurance coverage for public properties, especially during high-risk periods such as renovations [8]. - Homeowners are encouraged to recognize the importance of home insurance to protect personal belongings, as building insurance primarily covers structural and communal areas [8][9]. - The event serves as a reminder of the need for a mature and multi-layered insurance market to effectively mitigate social risks and support post-disaster recovery [8][9].

Core Insights - The article discusses the insurance payouts related to the fire incident at Hong Fu Court, with China Taiping Insurance (Hong Kong) completing the first batch of claims amounting to HKD 5.372 million [2] - The fire resulted in 156 fatalities, with around 30 individuals still missing, prompting multiple insurance companies to initiate emergency claims services [2] - The insurance coverage for the affected properties includes various types of policies, with significant attention on the high coverage limits for public liability and property insurance [3][4] Insurance Coverage Details - Taiping Hong Kong provided comprehensive insurance for the Hong Fu Court, including construction all-risk insurance, employee compensation insurance, and third-party liability insurance, among others [3] - The property insurance for the common areas of Hong Fu Court has a coverage limit of HKD 2 billion, which is a focal point for future claims [4][6] - The insurance policies cover various risks, including damage from fire, theft, typhoons, and flooding, with specific details on the coverage limits and premiums for different types of insurance [4][5] Reinsurance Arrangements - Taiping Hong Kong has implemented reinsurance arrangements to mitigate the financial impact of the claims, with several reinsurance companies, including Qianhai Re and China Re, involved in sharing the risk [7][8] - The company has communicated with international reinsurers to ensure adequate coverage and risk distribution [8] Financial Performance - In 2024, Taiping Hong Kong reported insurance service revenue of HKD 3.313 billion and a net profit of HKD 742.6 million, while in the first half of 2025, the revenue was HKD 1.463 billion with a net profit of HKD 122 million [8] - For the entire group, China Taiping reported insurance service revenue of HKD 111.3 billion in 2024 and HKD 56 billion in the first half of 2025, with net profits of HKD 12.8 billion and HKD 9.2 billion, respectively [8]

Core Points - China Taiping Insurance (Hong Kong) Limited has completed the first batch of home insurance claims related to the fire incident at Hong Fu Court in Tai Po, Hong Kong, paying out a total of HKD 5.372 million [1] - The fire, which occurred on November 26, resulted in 156 fatalities and approximately 30 individuals still missing as of December 2 [1] - The company has activated its emergency response mechanism and is committed to expediting the claims process under the principles of "quick compensation, full compensation, and reasonable pre-compensation" [2] Group 1 - The company has insurance coverage for various aspects of the Hong Fu Court project, including construction all-risk insurance, employee compensation insurance, third-party liability insurance, property all-risk insurance, and public liability insurance [1] - Following the fire, the China Banking and Insurance Regulatory Commission issued a notice emphasizing the need for efficient claims assessment and insurance service support [1] - Taiping Reinsurance, a subsidiary of Taiping Insurance Group, has established an emergency working group to coordinate with Taiping Hong Kong on claims solutions and ensure rapid claims processing [2][3] Group 2 - China Reinsurance Group confirmed that its subsidiary, China Re Property & Casualty Insurance, provided reinsurance coverage for the Hong Fu Court project, including property insurance and third-party liability insurance [3] - The company has initiated an emergency response mechanism to confirm loss situations and has opened a green claims channel to support local insurance companies in disaster claims [3]

Group 1 - The core point of the article is that China Taiping Insurance (Hong Kong) Limited has completed the first batch of home insurance claims related to the Tai Po Hong Fu Garden fire incident, amounting to HKD 5.372 million [1] Group 2 - China Taiping Insurance has provided comprehensive coverage for the Hong Fu Garden repair project, including construction all-risk insurance, employee compensation insurance, third-party liability insurance for the owners' corporation, property all-risk insurance, and public liability insurance [1] - The company also underwrote home insurance and domestic helper insurance for some residents affected by the fire [1]