Core Viewpoint - The 2026 annual "惠民保" (Huimin Bao) products are shifting focus from price competition to value enhancement, emphasizing comprehensive coverage, improved services, and better renewal incentives rather than lower premiums [1][3][6]. Product Upgrades - Multiple regions have revealed their product upgrade directions for the 2026 "惠民保," with a focus on expanding coverage, enhancing special drug lists, and improving health management services [1][3]. - For instance, the "惠琼保" from Hainan will continue to offer four coverage plans with a minimum annual premium starting at 59 yuan, while expanding its special drug list to 115 types and implementing a one-stop settlement system [3][4]. - The "医惠保1号" from Jiangsu distinguishes between a basic and an upgraded version, with the latter including advanced therapies and optional add-ons for participants [3][4]. Service Enhancements - The "天一甬宁保" from Ningbo has increased its total coverage from 3 million to 3.2 million yuan while adding outpatient coverage and introducing a fixed compensation model [4]. - The "黄惠保" from Huanggang has reduced the annual deductible for compliant expenses and expanded its special drug list from 25 to 30 types, while also enhancing health services [4]. Market Dynamics - The shift from price competition to value competition is driven by the need for sustainable operations and the desire to attract a broader consumer base [5][6]. - The continuous price reduction has led to diminishing returns, prompting insurers to focus on product optimization and service enhancement to maintain competitiveness [6][7]. Challenges Ahead - Balancing the goals of inclusivity and commercial sustainability remains a significant challenge for "惠民保" products [9]. - Data sharing and precise pricing are identified as critical areas needing improvement, as existing barriers hinder effective collaboration among medical institutions, insurance companies, and regulatory bodies [9][10]. - Building consumer trust is essential, as lower premiums often come with higher deductibles and limited coverage, which can affect user experience [9][10].

在东海之滨，以"书藏古今，港通天下"闻名的宁波，兼具"东方大港"的开放气度与"制造业强市"的雄厚 根基。作为服务地方经济社会发展的重要金融力量，中国人寿（601628）保险股份有限公司（以下简 称"中国人寿"）宁波市分公司根植这片充满活力与底蕴的热土，始终秉承央企使命，以创新的服务理念 与务实的惠民举措，为甬城千家万户构筑风险屏障，守护宁波市民的美好生活。 发展普惠金融 织就民生保障"幸福网" "本来是我一个人忙不过来，辛苦你们了，服务态度也好，我老爸很喜欢你们嘞。"失能人员王先生的女 儿说道。 为应对人口老龄化过程中的失能人员护理难题，被称为社保"第六险"的长期护理保险应运而生，宁波成 为全国首批长期护理保险国家试点城市之一。作为中国人寿驻宁波分支机构，中国人寿宁波市分公司积 极响应当地医保部门号召，深度参与长护险第三方委托经办服务工作。截至目前，奉化、宁海、象山三 地的参保人数已达162万人，其中5067人享受了长护险待遇。与此同时，该公司持续深化个人养老金试 点工作，加快对个人养老金业务的产品布局，充分发挥其作为养老保障体系第三支柱的作用，为宁波市 民的养老规划提供了更多选择。截至今年6月末，自个人养老 ...