在"十四五"规划深入实施、共同富裕战略扎实推进的时代坐标下，做好普惠金融大文章已成为服务实体 经济、增进民生福祉的重要引擎。 推广大病保险，守护民生底线。公司连续四期中标珠海市大病保险项目，在政府及医保部门的指导下稳 健高效运营，实现了政府放心、群众满意、基金安全的目标。截至2024年年底，项目为超200万名珠海 基本医保参保人提供优质服务；九年来，累计为40余万人次赔付超5亿元；联网即时结算率超99%，让 患者就医时无需垫付高额费用，出院即可直接结算，极大减轻经济压力和心理负担，让大病不再成为家 庭的"不可承受之重"。 定制医疗补充，织密保障网络。2018年底，中国人寿寿险珠海分公司与珠海市政府合作，全国首创实施 由政府主导的附加补充医疗保险"大爱无疆"项目，在珠海率先构建了"基本医保+大病保险+附加补充医 保+医疗救助+慈善捐助"五重医疗保障体系。该项目费率低、覆盖广、待遇高，投保人数稳定增长， 2024年投保人数超110万人，投保率超40%。截至目前，项目累计投保590万人次，赔付超7亿元，受益 17万余人次，个人最高赔付金额超130万元。 "真的非常感谢医保和'大爱无疆'对我们的帮助，星星最近身体状态 ...

Core Insights - The 2025 Hengqin World Bay Area Forum focused on enhancing financial momentum in the Bay Area, emphasizing the keyword "innovation" for current financial work in the region [1] Group 1: Financial Regulatory Developments - The Zhuhai Financial Regulatory Bureau is enhancing the cross-border financial service framework by guiding banks and insurance institutions in the Hengqin Guangdong-Macao Deep Cooperation Zone to establish high-quality operations [2] - The bureau is actively promoting new mechanisms and policies to empower the development of the Bay Area, including the establishment of cross-border financial service centers and teams [2] Group 2: Financial Performance Metrics - In the first half of the year, the banking sector in Hengqin maintained a double-digit growth rate in loans and deposits, with loans to high-tech enterprises and other sectors exceeding 90 billion yuan [2] - The "Cross-border Wealth Management Connect" and "Northbound Connect" initiatives have led to the sale of new RMB deposit products, with over 3,000 clients participating in cross-border wealth management [2] Group 3: Market Connectivity and Innovations - The regulatory bureau is facilitating high-level financial openness for Hong Kong and Macau, including the removal of asset thresholds for investments in mainland insurance companies [3] - Initiatives such as the "Macau version" smart counters and the expansion of the Guangdong-Macao cross-border data verification platform are being implemented to enhance financial services for residents [3]

Core Points - A 13-year-old visually impaired girl, known as "Qiming Xiaoxing," has gained popularity on Bilibili for her emotional reading of Braille books, despite her health challenges [1] - In 2024, she underwent liver and kidney transplant surgeries costing 798,000 yuan, with insurance covering 669,000 yuan, leaving her family with only 129,000 yuan to pay [2] - The "Dai Ai Wu Jiang" project, initiated in 2018, provides supplementary medical insurance in Zhuhai, addressing the high personal burden of major illness treatments [2][3] Group 1 - "Dai Ai Wu Jiang" project has expanded its coverage and increased the total coverage amount from 1.16 million yuan to 2.59 million yuan while maintaining the annual premium at 190 yuan [3] - The project has paid out over 700 million yuan in claims, benefiting more than 170,000 individuals, with the highest individual claim reaching 1.332 million yuan [3] - As of May 2025, the project has served over 50 million participants across 17 cities, with total claims exceeding 2 billion yuan [3]

Core Viewpoint - The article highlights the proactive role of China Life Insurance Guangdong Branch in promoting inclusive finance and enhancing public welfare through innovative insurance products and services, particularly in the context of the Guangdong-Hong Kong-Macao Greater Bay Area development. Group 1: Financial Services and Community Impact - China Life Insurance Guangdong Branch has developed a three-in-one service system combining inclusive insurance, digital technology, and ecological scenarios to support the "Hundred Million Project" [1] - The company has provided medical insurance coverage to over 35 million people across 17 cities in Guangdong over the past three years, with total compensation exceeding 1.5 billion yuan [3] - The "Sui Sui Kang" project in Guangzhou has insured over 14 million people, with total claims exceeding 2 billion yuan, recognized as a model for multi-level medical insurance [9] Group 2: Product Development and Coverage - In 2024, the company aims to provide risk coverage of 1.2 trillion yuan for approximately 1.388 million elderly individuals and 5.7 trillion yuan for 936 million clients through commercial health insurance [4] - The company has developed a dual-track guarantee system for family planning households, covering a wide range of life stages and providing over 12 billion yuan in claims [10] - The "She Health, Yue Happiness" initiative has provided insurance coverage for 600,000 women, with a total coverage amount of 6 billion yuan [11] Group 3: Digital Transformation and Innovation - The company has implemented a one-stop settlement system for major illness insurance projects, enhancing efficiency and customer experience [7] - A digital platform has been established to support inclusive insurance services, covering 90% of rural areas in Guangdong [12] - The company has initiated a pilot program for "fully automated claims processing," achieving claim resolution in as little as 38 seconds [7] Group 4: Community Engagement and Support - The "Green Ribbon" initiative focuses on rural revitalization, providing targeted insurance solutions for vulnerable populations and enhancing community welfare [13] - The company has established a service network with over 2,600 insurance service specialists to ensure accessibility and support for elderly clients [6] - The company has organized over 6,000 training sessions for elderly individuals to improve their digital literacy and access to services [5] Group 5: Future Goals and Vision - The company aims to continue its commitment to inclusive finance, enhancing product offerings and services to meet the evolving needs of the community [14] - The focus remains on aligning with the Greater Bay Area development strategy, ensuring that financial services are equitable and accessible to all [14]

Core Viewpoint - The article emphasizes the role of China Life Insurance in stimulating consumer spending and supporting economic development through various financial services and products aimed at enhancing consumer confidence and capability [1][10]. Group 1: Insurance Support for Consumer Confidence - China Life Insurance is enhancing its insurance product offerings across health, accident, and retirement sectors, aiming to reduce families' need for precautionary savings by providing robust insurance coverage [2][3]. - In the first half of 2025, China Life Insurance reported a cumulative new insurance coverage amount exceeding 450 trillion yuan, with claims paid amounting to 237.2 billion yuan, reflecting a year-on-year growth of 14.7% [2]. - The launch of the "Guangzhou Kangning" disability income loss insurance product aims to alleviate the financial burden on residents facing long-term income loss due to disabilities [2]. Group 2: Credit Support to Enhance Consumer Willingness - China Life's subsidiary, Guangfa Bank, has introduced various promotional activities during key holidays to stimulate consumer spending, including discounts on travel and dining [5]. - Guangfa Bank has developed innovative financial products like "Guangfa Car e-loan" to facilitate car purchases, resulting in over a 26% increase in auto consumption loans by mid-2025 [6]. - The bank has also implemented a dual discount model combining government subsidies with bank-specific offers to encourage consumers to upgrade their purchases [6]. Group 3: Investment in Consumer Infrastructure - China Life is actively investing in consumer infrastructure, including a 48.5 million yuan investment in the first public REIT for agricultural markets, which supports local consumption and provides a stable supply for businesses [8]. - The company has established strategic partnerships to invest in commercial assets across major cities, enhancing the consumer experience and supporting economic growth [9]. - China Life is committed to improving financial services to create better consumption conditions and environments, thereby fostering a culture of consumption [10].

Core Viewpoint - The article emphasizes the role of inclusive insurance as a vital component of inclusive finance, particularly in the context of China's push for high-quality development and the construction of the Guangdong-Hong Kong-Macao Greater Bay Area [2][5][13] Group 1: Development of Inclusive Insurance - China Life Insurance Company has been actively implementing the concept of "finance for the people," creating a multi-level medical insurance model known as the "Guangdong Model" to address public welfare challenges [2][4] - The company has established a comprehensive financial insurance service system that covers the entire life cycle, redefining the social value of inclusive insurance [4][5] - By the end of 2024, the major illness insurance will cover nearly 32 million residents across 8 cities, and the "惠民保" program has provided services to over 35 million people in 17 cities over the past three years [4] Group 2: Specific Initiatives and Programs - Various inclusive insurance brands have been launched, such as "穗岁康" in Guangzhou, which has insured over 14 million people and paid out over 2 billion yuan [6] - The "大爱无疆" project in Zhuhai has insured 590 million people, with a participation rate of 45.78% in 2024, leading the province in similar initiatives [6] - The "银龄安康行动" has served 92% of the elderly population in Guangdong, with total payouts reaching 2.3 billion yuan, benefiting 1.9 million people [7] Group 3: Focus on Vulnerable Groups - The company has launched initiatives like "托育无忧" for childcare institutions and "爱·童行" for vulnerable children, providing insurance coverage to ensure safety and health [6][7] - The "她健康 粤幸福" project focuses on women's health, providing free screenings and insurance for cancer, benefiting 600,000 women with a total coverage of 6 billion yuan [9] Group 4: Rural Revitalization and Community Support - The "绿丝带" initiative aims to integrate financial services with rural revitalization, providing insurance coverage to key demographics and enhancing community support [10][11] - Over the past three years, the company has donated to 130 projects, reaching over 4.3 million people with a total coverage amount of 240 billion yuan [11] Group 5: Technological Innovation in Services - The company has made significant advancements in digital transformation, achieving a 100% electronic rate for personal business and implementing a fully automated claims process [12] - A digital management platform covering 25,000 villages has been established, enhancing service efficiency and customer experience [12] Group 6: Future Goals and Commitment - The company aims to continue its journey towards inclusive finance, focusing on product innovation and service upgrades to meet the needs of the population [13]

Core Insights - Inclusive finance, particularly inclusive insurance, is crucial for providing affordable financial services to vulnerable groups such as small businesses, farmers, and low-income urban residents, significantly impacting millions of lives in China [1][2][3] - Guangdong Province, as a leader in economic development, has seen significant advancements in inclusive insurance, with China Life Insurance's Guangdong branch providing extensive coverage and innovative products [1][5][7] Summary by Sections Inclusive Finance and Insurance Development - The need for inclusive insurance arises from the "protection gap," where low-income individuals often forgo insurance due to budget constraints or lack of understanding [2] - The Chinese government has emphasized the importance of inclusive finance since 2015, with recent policies focusing on high-quality development in inclusive insurance, particularly in agriculture, personal insurance, and pension insurance [2][3] Implementation and Achievements - China Life Insurance's Guangdong branch has developed a systematic approach to inclusive insurance, targeting diverse groups such as the elderly, new residents, and small businesses [4][5] - In 2024, Guangdong Life achieved total premiums of 648 billion yuan, providing insurance coverage of 26.66 trillion yuan to over 1 billion clients, with significant payouts across various demographics [5][6] Product Offerings and Impact - The city-customized commercial health insurance, known as "惠民保," has provided coverage to over 35 million people in Guangdong, with total payouts reaching 1.592 billion yuan [7][8] - The "大爱无疆" project in Zhuhai has seen substantial participation, with 590,000 insured individuals and payouts of 774 million yuan, demonstrating the effectiveness of inclusive insurance products [7][8] Health Management Integration - The "爱健康" initiative under the "大爱无疆" project has integrated health management services, leading to early detection and treatment of serious health conditions, saving approximately 42 million yuan in healthcare costs [8] - Various other inclusive insurance initiatives have been launched, targeting specific demographics such as the elderly and women, further enhancing the reach and impact of inclusive finance [8]

Core Viewpoint - The insurance industry is actively participating in government-led inclusive insurance projects to provide affordable and accessible insurance services to the public, addressing health and pension needs, thereby enhancing the well-being of the population [1] Group 1: Accessibility of Inclusive Insurance - The "Sui Suikang" insurance in Guangzhou provided nearly 1 million yuan in compensation for a patient with lymphoma, highlighting the importance of affordable insurance options [2] - Inclusive insurance products, such as "惠民保," are characterized by low entry barriers, low premiums, and high coverage, ensuring that more people can access insurance [2] - The focus is on serving previously excluded groups, including the elderly and those with pre-existing conditions, by offering products without restrictions on age or medical history [2][3] Group 2: Affordability of Premiums - Many inclusive insurance products have annual premiums around 200 yuan, with some targeted plans costing less than 50 yuan [4] - Government-backed insurance initiatives further reduce the financial burden on citizens, expanding coverage [4] - The "银龄安康" project in Jiangmen has covered over 128,000 elderly individuals, with total compensation exceeding 116 million yuan since its inception [4] Group 3: Sustainable Operations - The challenge of sustainable development in inclusive insurance arises from the potential exit of healthy individuals, leading to a higher proportion of high-claim policyholders [8] - Strategies to attract and retain healthy policyholders include offering additional services like cancer screenings, which can help reduce overall claims costs [8][9] - Insurance companies are encouraged to enhance their pricing strategies and conduct long-term assessments to ensure the sustainable development of inclusive insurance [9]

Core Viewpoint - Urban customized commercial health insurance, known as "惠民保," is one of the fastest-growing inclusive financial services in the insurance industry, but it faces sustainability challenges after years of rapid expansion [2][11]. Group 1: Development of "邑康保" - "邑康保" is a project in Jiangmen City, Guangdong Province, targeting the elderly population, with over 24% of the registered population aged 60 and above [2]. - The project combines medical and nursing care, providing a monthly disability care insurance benefit of 500 yuan for those recognized as severely disabled [2][3]. - As of 2025, "邑康保" had 809,000 insured individuals, with an annual premium of 150 yuan, covering various medical expenses and unique care service benefits [4]. Group 2: Cancer Screening Initiatives - The "鼻咽癌西江计划" was launched to improve early diagnosis and treatment of nasopharyngeal cancer, particularly in the high-incidence area of the West River basin [6]. - The project aims to complete 10,000 screenings in Doumen District by 2025, utilizing surplus funds from the "大爱无疆" project for cancer screening services [7]. - Since 2021, the "大爱无疆" project has expanded to include various health management services, mobilizing nearly 300,000 insured individuals for cancer screenings [8]. Group 3: Challenges and Solutions in Inclusive Insurance - The average participation rate for 53 publicly reported "惠民保" products was only 18.9%, significantly below the critical threshold for effective risk dispersion [11]. - Challenges include low engagement from younger, healthier demographics and difficulties in reaching rural populations [12]. - Strategies to enhance participant experience include improving claims efficiency and increasing outreach through institutional advantages [13][14].

Core Insights - The article discusses the "Yikangbao" insurance program in Jiangmen City, which combines medical and nursing care insurance to address the challenges faced by the aging population in Guangdong Province, where over 24% of the population is aged 60 and above [2][4]. Group 1: Yikangbao Program Overview - "Yikangbao" offers a monthly disability care insurance benefit of 500 yuan for insured individuals recognized as severely disabled, providing financial relief for families [2][3]. - The program is managed by China Life Insurance and has seen significant participation, with 809,000 insured individuals in 2025, and an annual premium of 150 yuan [4][5]. Group 2: Unique Features and Benefits - "Yikangbao" includes unique coverage for care services, which distinguishes it from other similar programs, and has partnered with 50 designated care service institutions [5]. - The program has paid out approximately 24.8 million yuan in benefits to over 56,300 individuals for care services [5]. Group 3: Challenges and Sustainability - The rapid growth of "Yikangbao" and similar programs faces sustainability challenges, with a reported average participation rate of only 18.9% across 53 products, significantly below the critical threshold for effective risk dispersion [9][10]. - The insurance industry is exploring ways to enhance participant engagement and retention, particularly among younger and healthier demographics, to ensure the long-term viability of these programs [10][11]. Group 4: Broader Implications for Public Health - The article highlights the "Nasopharyngeal Cancer West River Plan," which aims to improve early diagnosis and treatment of nasopharyngeal cancer in high-incidence areas, funded by surplus from the "Dai Ai Wu Jiang" project [6][7]. - The "Dai Ai Wu Jiang" project has successfully enrolled 590,000 participants since its inception, demonstrating the potential for public health initiatives to leverage insurance frameworks for broader health management [8]. Group 5: Future Directions - The insurance sector is encouraged to deepen government-enterprise cooperation and enhance public awareness to expand the reach and effectiveness of inclusive insurance programs [11]. - Continuous improvement in claims processing and customer service is essential to increase the perceived value of these insurance products among participants [10].