保险，作为防范风险的重要手段，也是经济发展不可或缺的金融保障。自贸港现代金融体系中，首家总部位于海南的全国性保险法人机构——海保人寿保险 股份有限公司（以下简称海保人寿）自2018年成立之时就引发了市场广泛关注。 新年新气象。1月初，海保人寿与手回集团联合举办的"2026全周期财富养老方案上市发布会"上，"福瑞未来（即享版）养老年金"等三款联合定制产品正式 发布。这是海保人寿面对长寿时代，朝着更精细、更全景、更以客户需求为中心的经营方向不断进阶的具体行动。 特色化产品的持续涌现，让外界看到了海南本土金融机构的蓬勃活力。 2025年，海保人寿持续扩大保费规模，总部及海南分公司新单保费4.86亿元，同比增长79%；互联网业务规模跻身中小险企前四，中介新单规模进入行业前 十五，保费增速远高于多数中小险企。全年累计实现财务收益2.93亿元，财务收益率4.32%。 依托自贸港在跨境医疗、离岸金融、税收政策等方面独特的制度优势，海保人寿坚定地走"特色化、差异化、价值化"发展道路，服务国家战略和自贸港建设 大局。 2025年，这家扎根自贸港的寿险公司取得了亮眼成绩，公司规模保费增速39.8%，处于市场前列；在海南市场，公司 ...

随着全岛封关运作的正式启动，海南自由贸易港建设踏上新的历史进程。海保人寿表示，将以封关运作 为新起点，主动融入自贸港建设大局，坚持以人民为中心的价值导向，持续增强金融服务的精准性与前 瞻性，聚焦高水平开放带来的战略机遇，在高质量发展中展现本土险企的责任与担当。 关键词阅读：海保人寿 经营业绩 责任编辑：栎树 在做优经营业绩的同时，海保人寿不断探索服务地方经济、推动普惠金融与多层次医疗保障体系融合发 展的实践路径。由海保人寿首席主承保的"惠琼保"实现参保人数连续增长，2026年达到75万人。2026 版"惠琼保"在延续普惠属性的基础上，创新建立"免赔额动态调整"和"家庭参保优待"机制，优化升级特 定药品目录和健康管理服务项目，并推出面向学生群体的普惠型学平险产品"惠学保"，与"惠琼保"形成 有效互补。 在履行社会责任方面，2025年，海保人寿围绕爱心助农、"一老一小"弱势群体帮扶及绿色环保等领域开 展了多项公益实践，持续拓宽公益行动版图。 1月30日，海保人寿保险股份有限公司（以下简称"海保人寿"）2025年度先进表彰大会在海口召开。 会上海保人寿对2025年表现突出的集体与个人进行表彰，共产生10个先进集体与 ...

Group 1 - The event "Cultural Month" organized by Haibao Life Insurance showcased the company's achievements in corporate culture development, aiming to strengthen employee engagement and motivation [1][3] - The award ceremony recognized various contributions, including suggestions for improvement, best promotional individuals, and outstanding video works, to encourage active participation and responsibility among employees [3] - Haibao Life Insurance, as the first national insurance entity established in Hainan, is leveraging the benefits of the Hainan Free Trade Port policy to enhance local economic services and promote inclusive finance and multi-tiered healthcare systems [3] Group 2 - The company has been a key player in the "Hui Qiong Bao" project, achieving significant growth in premium scale and insured cases, and is leading the establishment of a "one-stop" settlement platform in collaboration with local hospitals [3] - The 2026 version of "Hui Qiong Bao" will introduce innovative features such as dynamic deductible adjustments and family insurance discounts, while also launching a student-oriented insurance product "Hui Xue Bao" to complement existing offerings [3] - Haibao Life Insurance is committed to social responsibility, engaging in various charitable activities, including helping farmers and supporting vulnerable groups, while promoting environmental awareness through community initiatives [4] Group 3 - As the Hainan Free Trade Port enters a critical phase, Haibao Life Insurance aims to adopt practical measures to fulfill its role in serving the public and contributing to high-quality development in the region [4]

Core Viewpoint - The Hainan Financial Regulatory Bureau has announced the launch of a new inclusive health insurance product for students, named "Hui Xue Bao," aimed at enhancing health protection for the student population in Hainan Province [1] Group 1: Product Launch - The "Hui Xue Bao" insurance product is the first inclusive health insurance specifically designed for students in Hainan Province [1] - The product was officially launched on October 16, 2025 [1] Group 2: Product Features - The insurance adheres to a "cost recovery and minimal profit" pricing principle, ensuring affordability [1] - It provides basic coverage for small medical expenses, along with additional protections for specific diseases, accidental medical expenses, and accidental injuries [1] Group 3: Regulatory Support - The initiative is part of the broader strategy by the Hainan Financial Regulatory Bureau to implement the decisions of the Financial Regulatory General Bureau regarding high-quality development of inclusive finance [1] - The aim is to enrich the connotation of inclusive finance and improve the inclusive insurance system in Hainan [1]