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东吴证券:推进普惠保险体系建设 预计其长期发展空间广阔
智通财经网· 2025-07-10 03:03
Group 1: Inclusive Insurance Development - The core viewpoint is that inclusive insurance is a crucial part of a multi-tiered social security system and has seen rapid growth due to policy support, with significant long-term development potential [1] - Currently, the inclusive insurance market is underdeveloped, with a substantial risk protection gap; it is estimated that by 2030, premium income could exceed 900 billion yuan [1] - The report suggests that inclusive insurance should primarily adopt a government-enterprise cooperation model to enhance business sustainability through expansion, risk diversification, and technological empowerment [1] Group 2: Agricultural Insurance - Agricultural insurance is recognized as an essential tool for managing agricultural risks, with the scale of agricultural insurance growing from 0.9 trillion yuan in 2012 to 5.22 trillion yuan in 2024 [2] - Significant achievements have been made in implementing the national inclusive finance strategy, with major grain crop insurance coverage exceeding 70% across the country [2] - The "insurance + futures" model has emerged as an important financial innovation, covering 18 agricultural products and benefiting nearly 7 million households [2] Group 3: Health Insurance - Huiminbao - Huiminbao is a new type of health insurance model characterized by low thresholds, low premiums, and high coverage, making it a significant part of the multi-tiered medical security system [3] - As of 2023, there are 215 Huiminbao products with 170 million insured individuals, and the premium income reached 17.8 billion yuan in 2022, totaling 32 billion yuan [3] - Huiminbao effectively expands the coverage of traditional commercial health insurance, particularly for the elderly, alleviating the medical burden on society [3] Group 4: Critical Illness and Long-term Care Insurance - Critical illness insurance provides coverage for high medical expenses for severe illnesses, with 21 commercial insurance companies managing this business, covering 1.2 billion people by June 2024 [4] - Long-term care insurance has seen a 69.2% increase in participants since 2020, reaching 183 million in 2023, with fund surpluses exceeding 10 billion yuan in both 2022 and 2023 [4] - The number of designated service institutions and personnel for long-term care insurance has grown annually by 18.6% and 16.6% respectively from 2020 to 2023 [4]