今年是新疆维吾尔自治区成立70周年。从戈壁荒滩到繁华都市，从阡陌纵横到通衢八方，新疆经济社会发生 了翻天覆地的变化。70年来，保险业始终与天山南北的发展同频共振，为新疆民生保障与经济社会发展保驾护 航。 多举措织密民生保障网 新疆具有地域广袤、多民族聚居的特点，是风险保障的"薄弱区"，也是金融企业担当补位的关键区。在新 疆，保险业积极履行社会责任，助力民生改善、社会稳定与经济发展。 人保财险新疆分公司在和田地区、喀什地区、克孜勒苏柯尔克孜自治州、阿克苏地区承办城乡居民大病保险 及城镇职工大病保险，覆盖人群达926.54万人，累计支付赔款7.21亿元。同时，该公司积极推动建立养老机构风险 补偿兜底机制，为喀什地区、克孜勒苏柯尔克孜自治州、巴音郭楞蒙古自治州等地养老服务提供2.26亿元风险保 障。 作为民生之本，就业是最大的民生工程、民心工程、根基工程，是社会稳定的重要保障。 《金融时报》记者从阳光财险新疆分公司了解到，该公司聚焦就业困难户、退役军人等群体，多措并举拓展 就业岗位、优化人才发展环境。在保障劳动者权益方面，阳光财险新疆分公司推出"灵活就业人员职业风险保障计 划"，为外卖骑手、网约车司机等新业态从业者 ...

Core Insights - The Chinese insurance industry has achieved significant growth in both scale and service depth during the "14th Five-Year Plan" period, with a total compensation amount of 9 trillion yuan, marking a 61.7% increase compared to the "13th Five-Year Plan" period [1][6] - The industry is transitioning from a traditional risk compensator to a long-term capital provider for the real economy and a risk mitigator for technological innovation [1] Industry Growth and Financial Health - The insurance premium income in China has shown steady growth, with figures reaching 44.9 billion yuan in 2021 and projected to reach 56.9 billion yuan in 2025, reflecting an increase in growth rate from 4.0% to 11.15% [2] - By mid-2025, the total assets of the insurance industry reached 401.1 billion yuan, a 72% increase since December 2020, while net assets grew by 39% to 38.4 billion yuan [4] - The comprehensive solvency adequacy ratio improved to 204.5% by mid-2025, an increase of 8.5 percentage points from the end of 2022 [4] Global Positioning - In 2024, China's insurance premium income accounted for 10.2% of the global market, solidifying its position as the second-largest insurance market, ahead of the UK by 4 percentage points [5] - The gap in market share between China and the third-largest market has widened by 0.2 percentage points during the "14th Five-Year Plan" [5] Sector-Specific Developments - The agricultural insurance sector expanded significantly, providing risk coverage for 800 million farmers and increasing the average insurance amount per acre by 72% [6] - The auto insurance sector covered over 1.6 billion vehicles, with a 40% increase compared to the previous five years, and introduced specialized insurance for new energy vehicles [7] - The technology insurance sector provided risk coverage exceeding 10 trillion yuan, supporting 3,600 innovative application projects [7] Investment and Economic Support - By the second quarter of 2025, the balance of insurance funds reached 36.23 trillion yuan, serving as a critical source of long-term capital for major national projects and infrastructure [8] - Insurance funds invested over 5.4 trillion yuan in stocks and equity funds, an 85% increase from the end of the "13th Five-Year Plan" [8] Social Stability and Risk Management - The insurance industry has made significant strides in pension, health, and disaster insurance, with commercial pension insurance accumulating over 6 trillion yuan and covering nearly 100 million people [10] - The disaster insurance system has expanded coverage to include multiple disaster causes, enhancing the basic insurance amount for urban and rural residents [11] - Cumulatively, the insurance industry compensated over 150 billion yuan for flood and earthquake disasters during the "14th Five-Year Plan" [12] Regulatory Improvements - The regulatory framework has been strengthened, with key indicators such as non-performing loans and solvency ratios remaining stable and within healthy ranges [14] - The industry has seen a proactive shift in regulatory practices, focusing on systemic risk management and enhancing the resilience of financial institutions [14]

Core Insights - The insurance industry in China has solidified its position as the second-largest insurance market, with cumulative payouts reaching 9 trillion yuan, a 61.7% increase compared to the "13th Five-Year Plan" period [1] - By the end of Q2 2025, total assets of insurance companies and insurance asset management companies are projected to reach 39.2 trillion yuan, reflecting a 9.2% growth from the beginning of the year [1] Group 1: Social Security and Health Insurance - Urban and rural residents' major illness insurance provides further protection against high medical costs, with the government overseeing policy formulation and commercial insurance institutions managing the projects [2] - As of now, major illness insurance has served 1.22 billion urban and rural residents [2] - The "Guiding Opinions on Promoting High-Quality Development of Inclusive Insurance" emphasizes broad coverage, affordability, and fairness in insurance services [3] - Commercial health insurance has provided a total of 1.8 trillion yuan in economic compensation to patients over the past five years [3] Group 2: Long-term Care Insurance - Shandong Jining has initiated commercial insurance institutions to manage long-term care insurance, benefiting over 5,000 individuals with total expenditures of 95 million yuan [4] - The insurance sector is innovating various commercial pension products to address the challenges of an aging population, with accumulated reserves in commercial pension and health insurance reaching 11 trillion yuan [4] Group 3: Agricultural Insurance - Agricultural insurance has provided risk protection for 800 million farming households, with a 72% increase in average coverage for major grain crops during the "14th Five-Year Plan" [6] - The implementation of comprehensive cost and income insurance for major grain crops has been expanded nationwide, providing significant economic compensation to farmers affected by disasters [6][7] Group 4: Disaster Risk Management - The insurance industry has paid out over 150 billion yuan for natural disasters, ensuring prompt and reasonable compensation [7] - A national catastrophe insurance system is being established to enhance disaster prevention and relief efforts [7] Group 5: Support for the Real Economy - The insurance sector is actively addressing the risk management and financing needs of key national projects, including the Belt and Road Initiative [8] - China Export & Credit Insurance Corporation (Sinosure) reported a 10% year-on-year increase in insured amounts, reaching 1.0214 trillion USD in 2024 [8][10] - Sinosure's support for the largest wind power project in Kazakhstan demonstrates the role of insurance in facilitating international projects and enhancing credit risk management [9]

Core Viewpoint - China Life Insurance's health insurance initiatives in Guangxi are effectively addressing local health and economic challenges, providing essential support to vulnerable populations and contributing to rural revitalization efforts [1][8]. Group 1: Health Insurance Impact - In 2024, China Life's total premium scale in Guangxi reached 17.1 billion yuan, a 36% increase year-on-year, supporting major health insurance projects across 14 cities [1] - The "Anti-Poverty Four Guarantees" project disbursed 9.0366 million yuan in claims, while the "Hui Yong Bao" project has insured over 2.75 million people, with total payouts exceeding 170 million yuan [1][5] - The health insurance practices have created a protective network for the local population, addressing urgent health and economic needs [1][8] Group 2: Tailored Solutions for Local Needs - The health insurance products are designed to meet specific local challenges, such as the high risk of poverty due to health issues in labor-intensive areas like Tian Deng County [2] - The "Three Points" payment model for accident insurance involves contributions from the government, the company, and individuals, ensuring broad coverage [2] - The "Wo Hui Bao" insurance has provided significant support to fruit farmers, with 1.568 million yuan in claims paid out to individuals affected by accidents [3][7] Group 3: Collaboration with Local Governments - China Life has partnered with local governments to enhance the efficiency of health insurance services, exemplified by the seamless integration of health insurance claims with local medical systems [4][6] - The collaboration has led to a significant increase in the satisfaction of insurance services, with 100% satisfaction reported for online medical service applications [4] - The "Anti-Poverty Four Guarantees" project features a mechanism that combines efforts from government and enterprise to provide comprehensive support [5] Group 4: Digital Transformation and Service Efficiency - The company has implemented digital solutions that enhance the speed and accessibility of insurance claims, achieving a 99.9% electronic claim rate [7] - The establishment of a wide network of service centers and specialists ensures that services are available within a 15-minute radius for most residents [7] - The digital transformation has resulted in a claim processing time of just 1.47 days on average, significantly improving customer experience [7] Group 5: Broader Implications and Replicability - The health insurance model developed in Guangxi is seen as a replicable framework for enhancing multi-level medical insurance systems across China [8] - The comprehensive approach integrates health, employment, and industry support, demonstrating the potential for financial enterprises to contribute to national health and economic goals [8]

Core Viewpoint - China Life Insurance Nanning Branch (Nanning Guoshou) emphasizes its commitment to financial services for the real economy and improving people's livelihoods through innovative practices in health insurance [1][2]. Group 1: Health Insurance Initiatives - Nanning Guoshou has participated in the "Hui Yong Bao" project for four consecutive years, providing comprehensive health insurance coverage for a premium of 79 yuan per year, offering benefits up to several million yuan for hospitalization and rare diseases [1][2]. - The project has enrolled over 2.75 million participants, with total claims exceeding 170 million yuan, reducing the medical burden for participants by an average of 6.2% [2]. - The insurance scheme allows the use of personal medical insurance accounts for family coverage, enhancing accessibility and collaboration within the multi-tiered medical insurance system [2]. Group 2: Comprehensive Medical Coverage - Nanning Guoshou provides urban and rural residents with major illness insurance, covering 5.76 million insured individuals, and has established partnerships with nearly 1,800 medical institutions for extensive claim settlement [2]. - The company has paid out a total of 1.062 billion yuan in claims, implementing a one-stop settlement process for basic medical insurance, major illness insurance, and medical assistance [2]. Group 3: Targeted Insurance Products - In 2024, Nanning Guoshou will offer inclusive insurance products tailored for specific groups, including women's health and student safety insurance, with total coverage exceeding 100 billion yuan [3]. - The company has launched a "New Citizen Exclusive Protection Plan" for new urban residents, providing flexible insurance options and risk coverage for nearly 30,000 individuals [3]. - The "Anti-Poverty Insurance" project aims to support around 70,000 migrant workers with coverage for accidents, serious illnesses, and disabilities, while collaborating with government departments for health monitoring and risk prevention [3].

Core Insights - China Life Insurance Guangxi Branch (referred to as "Guangxi Guoshou") has achieved significant growth in total premium income, reaching 17.1 billion yuan in 2024, a year-on-year increase of 36%, capturing a market share of 34% [1] - The company has actively participated in rural revitalization efforts, undertaking 48 targeted assistance projects and launching the "Anti-Poverty Insurance" initiative, which was recognized as one of the top ten cases in national financial support for key rural revitalization counties [1] - In the major illness insurance sector, Guangxi Guoshou successfully won bids for urban and rural residents' major illness insurance projects across 14 cities, covering nearly 44 million insured individuals, with claims amounting to 2.7 billion yuan in 2024, a 23% increase year-on-year [1] Group 1 - Guangxi Guoshou has implemented a one-stop settlement mechanism integrating basic medical insurance, major illness insurance, and medical assistance, effectively reducing the medical burden on the public [1] - The company has upgraded its systems in collaboration with relevant firms, achieving a 60% reduction in operational costs for medical insurance and commercial insurance integration [1] Group 2 - Since April 2022, Guangxi Guoshou has been managing customized commercial insurance (Hui Min Bao) in urban areas, achieving a participation rate of 15% in Nanning, and completing the launch of this insurance across 14 cities within a year [2] - By March 2025, the company has processed claims for 76,000 individuals, totaling 170 million yuan, while actively adjusting plans to ensure the sustainability of projects facing increased payout rates [2] - In 2024, Guangxi Guoshou provided over 600 billion yuan in insurance coverage for specific groups, including 1.57 million women, 2.39 million students, and 75,800 disabled individuals [2]

Core Insights - China Life Insurance Company is actively engaging in the rural health insurance market in Guangxi, implementing innovative insurance models to address local needs and enhance accessibility for millions of insured individuals [1][3][4] Group 1: Digital Transformation in Health Insurance - The company has integrated digital solutions to streamline the claims process, significantly reducing the time for reimbursements, as evidenced by a case where funds were transferred within days [3][4] - A digital connection with the regional medical insurance fund has led to a 60% reduction in operational costs for system maintenance, showcasing the efficiency gained through technology [4] Group 2: Poverty Alleviation Insurance Initiatives - The "Four Guarantees" insurance model in Tiandeng County combines multiple insurance types to provide comprehensive coverage against poverty, including supplementary medical, accident, agricultural disaster, and anti-poverty insurance [5][7] - In 2024, the "Four Guarantees" project paid out approximately 903.66 million yuan, benefiting 1,597 individuals, demonstrating the program's impact on local communities [8] Group 3: Localized Insurance Products - The "Wo Hui Bao" insurance product in Wuming District is designed to address specific risks faced by local agricultural workers, providing coverage for accidents and major illnesses that are not covered by basic medical insurance [12][13] - As of June 2025, "Wo Hui Bao" has paid out 1.85 million yuan in claims, indicating its effectiveness in supporting local farmers and enhancing the rural social security system [14][15]

Group 1 - In 2021, health insurance premium income reached 880.36 billion yuan, representing a year-on-year growth of 7.7% [1] - Claims expenditure amounted to 408.53 billion yuan, showing a significant year-on-year increase of 39.9% [1] - The insurance industry accumulated 1.3 trillion yuan in long-term health insurance risk reserves for policyholders [1] Group 2 - The insurance sector actively undertook urban and rural residents' major illness insurance, covering 1.22 billion urban and rural residents, with cumulative claims exceeding 60 million [1] - The reimbursement ratio for insured individuals increased by 10 to 15 percentage points [1] - The industry participated in long-term care insurance pilot programs, covering over 100 million people and providing long-term care services for more than 700,000 disabled elderly individuals [1] Group 3 - The China Banking and Insurance Regulatory Commission (CBIRC) plans to further improve the commercial health insurance system [1] - There will be in-depth research on expanding the range of tax-preferred health insurance products and utilizing personal income tax policies effectively [1] - The exploration of a conversion mechanism between life insurance liability and care payment is encouraged to promote the development of commercial long-term care insurance [1]

Group 1: Core Objectives and Strategies - The report emphasizes the importance of revitalizing Northeast China, particularly focusing on Liaoning's development efforts [1] - China Insurance aims to align with national and provincial policies, enhancing its service capabilities to meet diverse insurance needs across various sectors [2] - The company actively participates in infrastructure projects and provides comprehensive insurance services to major enterprises, with a total risk coverage of 400 billion yuan [2] Group 2: Environmental and Social Contributions - The company promotes environmental pollution liability insurance and has provided 2.188 million yuan in risk coverage for various industries [3] - China Insurance has invested 3 million yuan in projects for the harmless treatment of dead livestock, contributing to rural ecological construction [3] - The company has developed innovative insurance products to support rural revitalization and has signed cooperation agreements with local agricultural authorities [8] Group 3: Technological Advancements and Financial Support - The company implements a "Digital Agricultural Insurance" initiative, utilizing advanced technologies for precise underwriting and claims [9] - China Insurance has provided nearly 700 million yuan in insurance coverage for various health-related initiatives, benefiting over 970,000 people [13] - The company has facilitated loans totaling nearly 700 million yuan to farmers, addressing financing challenges in the agricultural sector [12] Group 4: Community and Disaster Response - China Insurance has provided nearly 6 billion yuan in risk coverage for food safety liability insurance across over 200 food-related enterprises [7] - The company has paid out over 2.4 billion yuan in claims since 2022 to assist individuals affected by natural disasters [13] - The company has launched initiatives to protect the rights of migrant workers, providing nearly 100 million yuan in risk coverage [14]

Group 1 - The company has been providing urban and rural residents' major illness insurance services in Xiangtan since 2016, leveraging its expertise in insurance management and policy health insurance services [1][2] - In 2023, the company handled major illness insurance claims amounting to 10.9683 million yuan, benefiting 2,382 individuals [2] - The company adheres to the principle of "government-led, cost recovery, and service-oriented," receiving recognition from both insured individuals and medical insurance departments for its efficient services [2] Group 2 - Xiangtan is the only pilot city in Hunan Province for long-term care insurance, aimed at improving the social security system and alleviating the financial burden of long-term care for the elderly and disabled [4] - The company won the bid for the long-term care insurance project in December 2020, covering approximately 380,000 insured individuals in Xiangtan [6] - In 2023, the company paid out 1.62 million yuan from the long-term care fund [6] Group 3 - The company has implemented medical inspections to ensure the effective operation of medical insurance funds, discovering 3,105 issues related to fraud and improper charges, amounting to 3.3 million yuan [7] - The company conducted self-inspection actions involving 58 designated medical institutions, resulting in the return of 1.21 million yuan to the medical insurance fund [7] - The company is committed to enhancing the quality of health insurance services and contributing to the multi-level medical security system [7]