Group 1 - The insurance industry has launched inclusive products like "Hui Min Bao" that do not limit occupations, covering over a hundred cities nationwide [2][3] - Customized insurance products such as "Riding Insurance" and "Anye Insurance" have been designed to meet the needs of flexible employment groups [2][3] - The "Hui Min Bao" project in Shanghai has seen over 26 million participants and cumulative compensation exceeding 2.2 billion yuan since its inception [3] Group 2 - Insurance products for flexible employment groups face challenges due to high risks, flexible work modes, and ambiguous labor relations, leading to low coverage and limited access [5] - Traditional insurance models do not align well with the unique characteristics of flexible employment, resulting in difficulties in purchasing affordable insurance [5] - Collaboration between insurance companies and delivery platforms is being pursued to facilitate insurance coverage for riders [6] Group 3 - Industry experts suggest exploring "on-demand insurance" models to better serve flexible employment groups, including single-purchase options for work-related injuries [7] - Recommendations include establishing a data-sharing platform to enhance product design accuracy and promoting policy innovations to clarify insurance responsibilities for platform companies [7] - The use of technology such as AI and blockchain is encouraged to improve risk assessment and data security in the insurance sector [7]