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城乡居民住宅巨灾保险
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“小保险”撑起民生“大保障”
Group 1 - The new "National Ten Articles" has been implemented for over six months, with financial regulatory authorities focusing on detailed policies to enhance the insurance industry's service to the real economy [1] - The insurance industry is increasingly recognized for its leverage in supporting public welfare, with local governments utilizing "small insurance" to bolster "big protection" for livelihoods [2][3] - The pilot program for occupational injury protection for new employment forms has been launched, covering over 10 million insured individuals, with plans to expand to 17 provinces [3][4] Group 2 - The introduction of supplementary work injury insurance in Linyi, Shandong, aims to include new employment forms and flexible workers, with 14,860 laborers already insured [4] - The Sichuan Financial Regulatory Bureau has integrated various geological disaster risks into urban and rural residential catastrophe insurance, increasing premium subsidies for rural residents [5][6] - Catastrophe insurance has been implemented in six counties in Aba Prefecture, providing risk coverage of 1.5 billion yuan and enhancing local government social governance capabilities [6] Group 3 - The new "National Ten Articles" supports the development of commercial pension products, with China Life Insurance issuing 10 pension products and accumulating a business scale of approximately 49 billion yuan [7][8] - Insurance funds are being utilized to support the silver economy, with significant investments in elderly care projects across multiple cities, providing over 10,000 elderly care beds [7][8]
织密民生保障安全网——巨灾保险的四川实践与探索
Zheng Quan Ri Bao· 2025-05-11 15:06
近年来,随着全球气候变暖、极端天气频发,地震、洪涝、台风等自然灾害对人类社会和经济发展的威 胁日益加剧,我国在灾害风险管理领域面临严峻挑战。巨灾保险作为一种市场化、社会化的风险分散机 制,在提升灾后重建效率、保障民生稳定等方面具有不可替代的作用。 记者在四川调研走访了解到,四川地形地势复杂多样,地震等自然灾害风险较高。特别是在阿坝州,更 是面临着灾多、灾频、灾重的突出问题。一旦发生自然灾害,当地道路交通、旅游发展、产业发展等都 会受到严重影响。 为此,长期以来,四川高度重视巨灾保险发展,将提升巨灾保险覆盖面、兜牢民生保障作为重要民生工 程予以打造。 2024年,四川巨灾保险迎来全面升级。11月份,国家金融监管总局四川监管局与四川省财政厅联合印发 《四川省城乡居民住宅巨灾保险工作方案》。该方案的实施,不仅可以有效提升城乡居民的灾害保障水 平,还能减轻政府财政负担,为全国巨灾保险的推广提供宝贵经验。同年12月份,四川首单城乡居民住 宅多灾因巨灾保险由中国人保在乐山市签发。据白晓松介绍,截至今年一季度末,人保财险四川省分公 司已率先在四川全省13个市州64个区县启动签单,承保71.08万户,提供风险保障328亿元。 ...