本报讯 （记者冷翠华）记者从中国人寿集团了解到，该集团及旗下子公司持续做好普惠金融大文章， 围绕重点保障群体、中小微企业发展以及乡村振兴等关键领域，切实增强金融服务的多样性、普惠性、 可及性。 目前，中国人寿集团旗下子公司中国人寿保险股份有限公司（以下简称"中国人寿"）已经开发的具有普 惠性质的保险产品包括大病保险、长期护理保险、城市定制型商业医疗保险、税优健康保险、税延养老 保险、专属商业养老保险以及意外伤害保险等，为广大人民群众提供丰富、多样的普惠性质的保险保 障。数据显示，中国人寿当前已参与承办200多个大病保险项目、140多个城市定制型商业医疗保险项 目，并推出首款长期失能收入损失险，切实发挥保险主责主业特长，为人民美好生活保驾护航。中国人 寿集团旗下子公司中国人寿财产保险股份有限公司（以下简称"国寿财险"）针对退役军人医疗保障，推 出"惠军保"项目，自2022年以来，已累计为超1827万人次退役军人及其亲属提供风险保障近61万亿元， 有力缓解了患病退役军人家庭的经济负担；针对一线职工，推出"惠工保"项目，已为全国近130万职工 及其亲属提供风险保障超3.8万亿元。 数据显示，2025年前三季度，国寿 ...

Core Insights - The article highlights the significant role of critical illness insurance in alleviating the financial burden of medical expenses for families in Gansu Province, particularly in the impoverished areas of Linxia Prefecture [1][2]. Group 1: Impact of Critical Illness Insurance - The critical illness insurance has provided substantial financial relief to families like that of Ma Yang, whose two sons require regular dialysis, resulting in a total reimbursement of over 210,000 yuan from basic medical insurance and 90,000 yuan from critical illness insurance [2]. - The insurance system in China is structured in a tiered manner, with basic medical insurance forming the foundation, critical illness insurance serving as a supplementary layer, and medical assistance providing a safety net, collectively reducing the financial burden on the populace [2]. Group 2: Implementation and Management - As of September 2025, the critical illness insurance in Linxia has compensated 788,300 individuals, with total payouts reaching 1.428 billion yuan, including 722 million yuan for impoverished populations [3]. - The management of critical illness insurance has been delegated to commercial insurance companies, which has enhanced service levels and market vitality. China Pacific Life Insurance has been managing this insurance since 2017, focusing on improving claim processing times and increasing public awareness of the policies [4]. Group 3: Challenges and Innovations - The implementation of critical illness insurance in remote areas faces challenges such as lengthy claim processes and low policy awareness. China Pacific Life Insurance has addressed these issues by establishing a one-stop claims system that reduces processing time from 3-15 days to just 2-3 minutes [4][6]. - The company has also deployed outreach teams to educate local populations about the insurance policies, distributing over 160,000 informational materials in local dialects to ensure understanding [4][7]. Group 4: Future Outlook - The critical illness insurance program has evolved from basic protection to precise service, becoming a crucial safety net for millions. It aims to continue enhancing service mechanisms and increasing coverage to further support families and combat poverty caused by medical expenses [5][7].

(责任编辑：孟茜云) 处在青藏高原与黄土高原过渡地带的高山乡地如其名。岔巴村就坐落在海拔约2000米的高山顶上，老马 每次带儿子去山下的县医院治疗，都要在盘山路上骑一个小时摩托。而大病保险"一站式结算"的实行， 为老马省去了不少奔波。中国太保寿险甘肃分公司副总经理李康辉表示："针对临夏州医保理赔时效 长、理赔手续繁琐等问题，分公司自2017年承办当地城乡居民大病保险业务以来，着力完善当地大病保 险报销网点建设、打通'一站式'即时结报系统对接，理赔时效从3天至15天压缩至两三分钟。" 现在，像老马这样的参保人在定点医疗机构就医时，系统会自动完成基本医保与大病保险的同步结算， 患者只需支付个人承担部分，无须提交繁杂材料或多次跑腿，并且直接减轻了就医资金压力，真正实 现"数据多跑路，群众少跑腿"。 对于村民们来说，如今吃穿住都已不愁，最怕的还是一场大病拖垮全家。为防止"病根"变"穷根"，大病 保险对困难群众实施精准倾斜。在报销政策方面，国家规定大病保险起付标准原则上不高于统筹地区居 民上年度人均可支配收入的50%，支付比例不低于60%；居民医保叠加大病保险最高支付限额，原则上 达到当地居民人均可支配收入的6倍左右。 ...

地处山大沟深的甘肃省临夏回族自治州高山乡岔巴村，村民老马家墙上最显眼的位置贴着两份政策文件 ——《城乡居民大病保险服务指南》和帮扶政策"明白纸"。这个家里，一边是瘫痪在床、需常年照料的 母亲，另一边是患先天性心脏病、需持续治疗的三岁儿子。生活的担子很重，但墙上的那份大病保险政 策，实实在在帮老马扛住了最难承受的医疗花费。 现在，像老马这样的参保人在定点医疗机构就医时，系统会自动完成基本医保与大病保险的同步结算， 患者只需支付个人承担部分，无须提交繁杂材料或多次跑腿，并且直接减轻了就医资金压力，真正实 现"数据多跑路，群众少跑腿"。 对于村民们来说，如今吃穿住都已不愁，最怕的还是一场大病拖垮全家。为防止"病根"变"穷根"，大病 保险对困难群众实施精准倾斜。在报销政策方面，国家规定大病保险起付标准原则上不高于统筹地区居 民上年度人均可支配收入的50%，支付比例不低于60%；居民医保叠加大病保险最高支付限额，原则上 达到当地居民人均可支配收入的6倍左右。而针对低保对象、特困人员和返贫致贫人口，大病保险起付 标准降低50%，支付比例提高5个百分点，并取消最高支付限额。目前，包括儿童白血病、先心病、肺 癌等花费高昂的大 ...

Core Insights - The central financial work conference has set the goal of accelerating the construction of a financial powerhouse, guiding the high-quality development of the financial sector [1] - The insurance industry has actively responded to the conference's directives over the past two years, demonstrating its critical role as an economic stabilizer and social stabilizer [1] Risk Management and Protection - The insurance industry has enhanced its risk response capabilities, establishing a comprehensive risk protection system that includes pre-warning, response, and post-compensation mechanisms [2] - Major disaster insurance trials have been implemented in over 20 provinces, strengthening the disaster prevention and mitigation safety net [2] - Health insurance has served 1.22 billion urban and rural residents, while long-term care insurance covers 190 million people, addressing diverse elderly care needs [2] Economic and Social Development Support - The insurance sector has insured over 1.6 billion motor vehicles and launched a platform for insuring new energy vehicles, providing risk coverage exceeding 1.1 trillion yuan [3] - Export credit insurance has provided risk coverage of 4.4 trillion USD, supporting foreign trade stability [3] Financial Contributions - As of mid-2023, the insurance industry's investment balance reached 36.23 trillion yuan, continuously injecting financial resources into capital markets and the real economy [4] - The sector has provided over 10 trillion yuan in risk coverage for technology insurance, supporting 3,600 innovative projects [4] - Green insurance is projected to provide risk coverage exceeding 330 trillion yuan in 2024, with increased support for green and low-carbon industries [4] Industry Reform and Development - The insurance industry has surpassed 40 trillion yuan in total assets, solidifying its position as the second-largest insurance market globally [5] - Comprehensive reforms in auto insurance and the implementation of a unified reporting and operation system are guiding the market towards rational management [5] - The industry is transitioning from scale expansion to value creation, with a notable decrease in comprehensive cost ratios and expense ratios [5] International Engagement - Half of the world's 40 largest insurance companies have entered the Chinese market, enhancing the industry's professional level through international collaboration [6] - The Shanghai International Reinsurance Registration and Trading Center serves as a key platform for attracting global reinsurance institutions [6]

Core Insights - The article highlights the significant impact of the major illness insurance policy implemented in Kashgar since 2015, which aims to alleviate the financial burden of high medical costs for families [1][3] Group 1: Policy Overview - The major illness insurance is government-led and commercially operated, with projected premiums of 65 yuan for urban employees and 155 yuan for rural residents by 2025 [2] - The policy features differentiated coverage: a threshold of 16,000 yuan for employees with an 80% reimbursement rate and a cap of 700,000 yuan; for ordinary residents, the threshold is 9,200 yuan with the same reimbursement rate and a cap of 300,000 yuan [2] - Special provisions for vulnerable groups include a reduced threshold of 4,600 yuan and an increased reimbursement rate of 85% without a cap [2] Group 2: Implementation and Impact - Since its inception, over 1.17 million claims have been processed, with total payouts reaching 3.19 billion yuan, demonstrating the program's effectiveness in reducing financial anxiety for families facing serious illnesses [3] - The insurance company has established a specialized medical inspection team to monitor fund usage and prevent wasteful spending, ensuring the protection of public funds [3] - The long-term sustainability of the insurance program relies on precise funding standards, risk-sharing mechanisms, and close monitoring of healthcare payment reforms [3]

Core Viewpoint - The establishment of the Xinjiang Uygur Autonomous Region has led to significant changes over the past 70 years, with the financial industry playing a crucial role in promoting stability and development in the region. The insurance sector has evolved from a traditional compensation tool to a stabilizing and boosting force for high-quality development in Xinjiang [2][3]. Group 1: Foundation of Stability - The primary value of the insurance industry in Xinjiang is to maintain social stability by addressing public concerns and participating in grassroots governance, thereby safeguarding the well-being of families and contributing to overall regional security [4]. - The commercial insurance mechanism has effectively supported the establishment of a multi-layered medical security system, enhancing the efficiency of government health insurance work and improving the experience for the public [5][6]. Group 2: Collaborative Social Governance - The insurance industry has integrated into grassroots governance through innovative models like "police-insurance linkage," which enhances traffic safety management and reduces administrative burdens [7]. - The implementation of a "one-stop instant settlement" service has significantly improved the experience for patients facing high medical costs, demonstrating the positive impact of insurance on public welfare [6][7]. Group 3: Innovation and Best Practices - Xinjiang's insurance sector has developed innovative products and services tailored to its unique geographical and industrial context, creating replicable models for other regions [8]. - The "Assured Travel" insurance project in Kashgar exemplifies a government-backed initiative that provides comprehensive coverage for tourists, enhancing safety and promoting tourism [9]. Group 4: Empowering Industries - The financial sector has provided customized risk solutions to support the development of key industrial clusters in Xinjiang, facilitating significant risk coverage and enabling companies to focus on innovation and market expansion [12][13]. - The integration of technology in agricultural insurance has improved risk management and loss prevention, showcasing a proactive approach to disaster mitigation [14][11]. Group 5: Future Directions - The insurance industry in Xinjiang aims to align with national strategies, focusing on innovation and expanding inclusive financial services to enhance risk protection and support high-quality development [15][16]. - The sector is expected to leverage its strengths in cross-border trade insurance and ecological risk management to contribute to the broader economic landscape of Xinjiang [15].

Core Viewpoint - The Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, focusing on improving service efficiency and management in critical illness and long-term care insurance [1] Group 1: Health Insurance Development - The guidelines support insurance companies in enhancing critical illness insurance services and operational efficiency [1] - There is an emphasis on providing refined and standardized management services for long-term care insurance [1] Group 2: Management and Compliance - The guidelines call for the standardization of entrusted management contracts, leveraging the professional advantages of insurance companies [1] - There is a focus on comprehensive services including health protection scheme design, consulting, health management, medical service investigation, and payment auditing [1] - The guidelines stress the importance of compliance and fairness in the design of entrusted management business plans and fund payments [1]

Core Insights - The insurance sector in Xinjiang has evolved significantly over the past 70 years, transitioning from a disaster relief tool to a vital component of social security and industrial support [2][3] - China People's Insurance Group (PICC) plays a crucial role in providing various insurance products and services, enhancing the local economy and community welfare [3][5] Group 1: Social Security and Healthcare - PICC's Xinjiang branch has focused on developing major illness insurance, long-term care insurance, and inclusive medical insurance, contributing to a multi-layered medical security system [3] - As of now, 926.54 million people in regions like Kashgar and Aksu have received major illness insurance coverage, with claims amounting to 721 million yuan [3][4] - The "Huimin Bao" program, launched in Aksu, offers universal health commercial supplementary insurance with a premium of 100 yuan per person, providing coverage to 2.0887 million residents [4] Group 2: Agricultural Insurance - PICC has expanded agricultural insurance to support Xinjiang's key crops, providing risk coverage for 6.765 million acres of wheat, corn, and rice, with claims totaling 116 million yuan [6] - The company has also provided 12.789 billion yuan in risk coverage for the cotton industry and 1.5 billion yuan for livestock in southern Xinjiang [6] - Innovative insurance products have been developed for specialty crops, with a total risk coverage of 4.371 billion yuan [6] Group 3: Industrial Support - PICC has tailored insurance solutions for over 400 high-tech enterprises, offering comprehensive risk coverage for technological innovation [7] - As of June 2025, the company has provided 19.528 billion yuan in property insurance for enterprises in Aksu and 11.235 billion yuan for small and medium-sized enterprises in Kashgar [7] Group 4: Technological Innovation in Insurance - The company employs a "insurance + risk reduction service + technology" model to enhance risk management and service efficiency [8] - Technological advancements such as remote sensing, drones, and big data have improved claim processing efficiency by over 80% and reduced costs by 60% [8] - The integration of technology in agriculture has helped mitigate disputes over loss assessment and reduced the risk of over-insurance claims [8] Group 5: Overall Impact - Insurance serves as a safety net for livelihoods and a catalyst for rural revitalization, contributing to the high-quality development of Xinjiang [9]

Core Insights - The insurance industry has significantly enhanced its social security role during the "14th Five-Year Plan" period, with total claims reaching 9 trillion yuan, a 61.7% increase compared to the "13th Five-Year Plan" period [1] - The insurance sector has focused on increasing supply, optimizing structure, and addressing shortcomings, summarized as "one increase, one optimization, one supplementation" [2][3] Group 1: Performance and Growth - The insurance industry has provided risk coverage for 800 million agricultural households through agricultural insurance [1] - Commercial pension and health insurance have accumulated reserves of 11 trillion yuan, with financial services continuously expanding [1] - Motor vehicle insurance has covered over 1.6 billion vehicles, a 40% increase from the previous five-year period [2] - Export credit insurance has provided risk coverage of 4.4 trillion USD, a 52% increase compared to the "13th Five-Year Plan" [2] Group 2: Structural Optimization - Insurance funds have invested over 5.4 trillion yuan in stocks and equity funds, an 85% increase from the end of the "13th Five-Year Plan" [2] - The insurance sector has provided over 10 trillion yuan in risk coverage for technology insurance, supporting 3,600 innovative projects [3] - The average insurance amount for major grain crops has increased by 72% during the "14th Five-Year Plan" [3] Group 3: Financial Support and Reforms - The insurance industry has actively participated in financial reforms, including long-term investment initiatives and support for technology enterprises [3][5] - By the second quarter of 2025, the balance of insurance company funds reached 36.23 trillion yuan, a year-on-year increase of 17.39% [5] - The insurance sector has implemented cost optimization measures, resulting in a reduction of 350 billion yuan in costs for life insurance companies since 2024 [6]