面对"银发浪潮"的时代课题，太平人寿积极发力养老保障"第三支柱"体系建设，通过优化产品供 给、深化生态协同、提升服务质效三大路径，构建起一张有温度的养老保障网，为服务国家养老保障体 系建设贡献"太平方案"。 在金融业高质量发展的时代浪潮中，太平人寿作为金融央企成员公司，始终以"为民服务"的初心使 命为墨、以"为国担当"的政治责任为笔，将金融五篇大文章镌刻进发展脉络，交出了一份兼具温度与力 度的亮眼答卷。 最新数据显示，2025年上半年，太平人寿核心经营指标全面向好，原保险保费达1150.6亿元，同比 增速5.4%，继续率水平持续保持行业领先，业务发展量质齐升，展现出强劲的发展韧性和创新活力。 深耕养老金融：构建多层次养老保障体系 2024年起，太平人寿持续推出"温暖系列"普惠产品，旨在面向保险保障相对不足的重点人群，提供 涵盖医疗、疾病、意外等多层次的保险保障，护航人民群众的美好生活。围绕"一老一少一新"等重点人 群保障需求，该系列产品逐步丰富完善：例如，针对老年人的意外医疗保障需求，推出了主打"惠民 生"属性的"太平温暖陪伴意外医疗保险"，与过往产品相比，在保持合理定价的同时为老年人群提供更 高额度的保障； ...

Core Viewpoint - Taiping Life Insurance has launched a new inclusive product, "Warm Forward," aimed at providing accident insurance for specific industries that employ a large number of new citizens, thereby enhancing risk protection for this demographic [1][4]. Group 1: Product Features - "Warm Forward" targets five specific industries: manufacturing, construction, wholesale and retail, transportation and warehousing, and residential services [2]. - The product includes coverage for occupational risks specific to new citizens, such as accidental death, disability, and medical expenses [2]. - High-risk occupations, including high-altitude workers and heavy truck drivers, are now included in the coverage, expanding the reach of inclusive insurance products [2]. Group 2: Pricing and Flexibility - The product adheres to inclusive principles with reasonable premium settings to ensure accessibility for more new citizens [2]. - It offers three different coverage plans based on varying insurance amounts and provides flexible insurance periods ranging from one month to one year [2]. Group 3: Strategic Direction - Taiping Life Insurance is committed to enhancing its inclusive insurance offerings, focusing on underserved populations and providing multi-layered insurance coverage [3]. - The company plans to continue expanding the "Warm Series" of products to meet the diverse needs of key demographics, including the elderly and children [3].

Group 1: Core Insights - The implementation plan for high-quality development of inclusive finance in the banking and insurance sectors aims to strengthen the inclusive insurance system, enhance product offerings, and improve service quality over the next five years [2][10] - Recent policies have led to the development of affordable and accessible insurance products tailored for specific groups, addressing the needs of chronic disease patients and new urban residents [3][4] Group 2: Product Development and Innovation - ZhongAn Insurance has improved its medical insurance product to provide long-term medication coverage for chronic disease patients, focusing on their specific needs [3] - Taiping Life launched a targeted accident insurance product for new urban residents, covering high-risk occupations and enhancing the insurance safety net for this demographic [4] Group 3: Support for Small and Micro Enterprises - The implementation plan emphasizes the development of insurance products that cater to the needs of small and micro enterprises, enhancing their risk management capabilities [5] - China Export Credit Insurance Corporation has established a unified insurance platform to support small foreign trade enterprises, facilitating access to financial resources and professional support [6][7] Group 4: Sustainable Development of Inclusive Insurance - The sustainable development of inclusive insurance requires a balance between affordability and quality, with a focus on effective risk measurement and service coverage [9] - Companies are encouraged to optimize pricing models, enhance service offerings, and leverage digital technologies to improve operational efficiency and reduce costs [9] Group 5: Regulatory and Evaluation Mechanisms - The plan includes integrating the development of inclusive insurance into the regulatory evaluation system for insurance companies, establishing assessment mechanisms for inclusive insurance products and services [10] - The importance of setting scientific standards for evaluating inclusive insurance products is highlighted, emphasizing the need for transparency and consumer protection [10]

5月20日，太平人寿推出普惠新产品——太平温暖前行特定行业意外伤害保险(以下简称"温暖前行")。 该产品是太平人寿首个普惠专属产品系列"温暖系列"旗下又一重磅成员，在延续以往普惠属性的基础 上，聚焦吸纳新市民较多的5个特定行业，突破常规承保范围，同时提供多种灵活投保方案，旨在切实 提升新市民群体风险保障水平，深入践行普惠金融大文章。 新市民、新业态人群作为城市建设中的主力军和新生力量，具有人口数量大、抗风险能力弱、保险保障 不健全等特点。近年来，中央和监管机构对于完善这类人群保险保障体系提出了明确要求。根据《国家 金融监督管理总局关于推进普惠保险高质量发展的指导意见》，保险业要"聚焦建筑工人、快递骑手、 网约车司机、货车司机、网店经营者等新市民群体和灵活就业人员，开展相应的新就业形态责任保险、 意外伤害保险等业务。"在此背景下，太平人寿积极响应号召，推出"温暖前行"普惠新产品，正是精准 赋能特定客户群体、着力扩大保险产品覆盖面的又一次创新实践。 创新保障供给拓宽服务半径 "温暖前行"聚焦五大特定行业 锚定普惠金融大方向 太平人寿持续丰富温暖产品系列 太平人寿始终坚持"金融为民"初心，大力发展普惠保险业务，多年 ...

值得一提的是，太平温暖前行特定行业意外伤害保险首次将高空作业人员如高楼外部清洁工、焊工、搬运工、重型货车司 机等在常规承保范围外的高风险职业人群纳入了承保范围，有效提升普惠保险产品的覆盖范围，拓宽服务半径。在定价方面， 该产品坚持普惠原则，通过合理的保费设置，让更多新市民群体能够享有意外风险保障。此外，为更好地满足新市民灵活就业 的特点和多样化的保障需求，该产品根据不同保险金额配置了三种保障计划，同时提供最短1个月、最长1年的4个保险期间， 客户可根据自身实际需求灵活选择保障方案。 （编辑 张明富） 新市民、新业态人群作为城市建设中的主力军和新生力量，具有人口数量大、抗风险能力弱、保险保障不健全等特点。根 据《国家金融监督管理总局关于推进普惠保险高质量发展的指导意见》，保险业要"聚焦建筑工人、快递骑手、网约车司机、 货车司机、网店经营者等新市民群体和灵活就业人员，开展相应的新就业形态责任保险、意外伤害保险等业务。"在此背景 下，太平人寿积极响应号召，推出"温暖前行"普惠新产品，正是精准赋能特定客户群体、着力扩大保险产品覆盖面的又一次创 新实践。 本报讯 （记者冷翠华）5月20日，太平人寿推出普惠保险新产品—— ...