为家庭撑起一把"保障伞" 今年5月份，山东烟台牟平区水道镇的王小娟在"两癌"免费筛查中被确诊为乳腺癌。"当时感觉天都塌 了。"王小娟坦言，"一是怕这个病，我还算年轻，想治好病将来还能帮衬孩子；二是怕钱，大额医疗费 可咋办？"巨大的双重压力几乎将她压垮。 关键时刻，她之前购买的中国人寿保险股份有限公司（以下简称"中国人寿寿险公司"）的女性安康疾病 保险派上了用场。接到理赔申请后，中国人寿集团旗下寿险烟台分公司迅速核实情况，及时将6万元理 赔金送到了她手中，且这笔费用完全覆盖其个人需承担的治疗费用。 ■本报记者 李美丽 民生无小事，枝叶总关情。打通金融服务"最后一公里"，让改革发展成果更多更公平惠及全体人民，是 普惠金融的题中应有之义。 作为国有大型金融机构，近年来，中国人寿保险（集团）公司（以下简称"中国人寿集团"）持续做好普 惠金融大文章，于关键处落子，围绕重点保障群体、中小微企业发展以及乡村振兴等关键领域，切实增 强金融服务的多样性、普惠性、可及性。 陪伴体现在贴身打造个性化信贷方案。前述技术公司是国家级高新技术企业及广东省专精特新中小企 业，长期深耕电量传感与变送器领域。广发银行深圳凤凰支行了解到企业研发 ...

Core Insights - China Life Group is focusing on inclusive finance, enhancing the diversity, inclusiveness, and accessibility of financial services for key groups such as small and micro enterprises and rural revitalization [2] Group 1: Insurance Products and Services - China Life has developed various inclusive insurance products, including critical illness insurance, long-term care insurance, customized commercial health insurance, tax-advantaged health insurance, tax-deferred pension insurance, exclusive commercial pension insurance, and accident insurance [2] - The company is currently involved in over 200 critical illness insurance projects and more than 140 customized commercial health insurance projects, and has launched its first long-term disability income loss insurance [2] Group 2: Support for Specific Groups - China Life Property & Casualty Insurance has launched the "Hui Jun Bao" project for medical insurance for retired military personnel, providing risk coverage for over 18.27 million retired military personnel and their families, amounting to nearly 61 trillion yuan since 2022 [2] - The "Hui Gong Bao" project targets frontline workers, offering risk coverage exceeding 3.8 trillion yuan for nearly 1.3 million workers and their families [2] Group 3: Support for Small and Micro Enterprises - By the third quarter of 2025, China Life Property & Casualty Insurance has served over 6,000 specialized "little giant" enterprises, handling over 1.2 million claims with total payouts exceeding 6.5 billion yuan [3] - The company has insured over 10 million acres of major crops such as rice, wheat, and corn, providing risk coverage exceeding 100 billion yuan for various risks including disaster, disease, price, yield, and income [3]

Core Viewpoint - The core task of China Life Property & Casualty Insurance is to ensure and improve people's livelihoods, aligning with the modernization process in China, while serving national strategies and supporting the real economy [1] Group 1: Inclusive Finance and Social Welfare - China Life Property & Casualty Insurance actively responds to the national financial regulatory authority's initiatives, enriching inclusive insurance product offerings and building a comprehensive insurance system [2] - By June 2025, the company has participated in over 350 "Hui Min Bao" projects, providing risk coverage of 69 trillion yuan [2] - The company has launched specialized products like "Hui Jun Bao" and "Hui Gong Bao," offering risk coverage exceeding 64 trillion yuan for veterans and frontline workers, effectively preventing poverty due to illness [2] Group 2: Support for Small and Micro Enterprises and Agriculture - The company addresses financing challenges for small and micro enterprises by promoting models like "Government-Bank-Insurance" and "Insurance for Financing," serving 849,800 small and micro enterprises and providing risk coverage of 59.1 trillion yuan in the first half of 2025 [3] - In the agricultural insurance sector, the company has established a comprehensive insurance framework, providing risk coverage of 3,305.67 billion yuan to 7.9091 million farming households [3] - Local specialty insurance products have been developed, such as tea quality insurance in Yunnan and cherry planting insurance in Shandong, contributing to farmers' stable production and income [3] Group 3: Innovative Service Mechanisms - The company has developed a three-in-one service mechanism combining "Warm Care + Sunshine Mediation + Quick Compensation," disbursing 16.73 billion yuan in road rescue funds and assisting 41,200 individuals [4] - The "Pre-Guarantee, Immediate Rescue, Post-Payment" model has been promoted as an industry benchmark [4] - The company emphasizes consumer rights protection and has launched initiatives to assist the elderly in overcoming the "digital divide," reaching 1.482 million consumers during financial education campaigns [4] Group 4: Commitment to People's Welfare - The company adheres to the principle of "People First, Life First," providing timely assistance and efficient claims services to alleviate difficulties for the public [5] - A notable example includes the prompt payment of claims to 62 migrant workers in Yunnan, which helped resolve their wage issues [5] - In response to natural disasters, the company demonstrated rapid action, processing the first car insurance claim related to a rainstorm disaster within 11 hours [6] Group 5: Future Development Goals - The company aims to continue high-quality development, enhance protection efforts, and diversify financial offerings as it approaches the end of the 14th Five-Year Plan and prepares for the 15th [6]

Core Viewpoint - Shenzhen has transformed from a small border town to an international metropolis over 45 years, showcasing a model of China's reform and opening-up, with China Life actively supporting national strategies through various financial services [1] Group 1: Support for Small and Micro Enterprises - Shenzhen is the most active city for small and micro enterprises, with an average of nearly 50,000 new business entities added monthly in 2024, but these enterprises face challenges such as financing difficulties [2] - China Life has leveraged its comprehensive financial advantages to support small and micro enterprises through risk protection, investment support, and financing services, including the launch of tailored insurance products for various industries [2] - As of the first half of 2025, China Life's Shenzhen branch insured over 13,000 small and micro enterprises, covering 310,000 insured individuals with a total risk coverage exceeding 257.1 billion yuan [2] Group 2: Financial Services for Small and Micro Enterprises - Guangfa Bank, a member of China Life Group, has developed an integrated online and offline inclusive financial service model, offering various loan products to enhance approval efficiency [3] - By the end of July 2025, Guangfa Bank's inclusive loans for small and micro enterprises exceeded 40 billion yuan, serving 12,100 clients [3] - In the first half of 2025, China Life Property Insurance's Shenzhen branch facilitated approximately 6 million yuan in financing for small and micro enterprises through loan guarantee insurance [3] Group 3: Social Security and Talent Retention - Shenzhen's talent pool has surpassed 7 million, making it one of the top cities for talent attraction in China, and China Life is actively involved in building a multi-layered social security system [4] - China Life's Shenzhen branch has been the chief underwriter for the "Shenzhen Huimin Insurance" for three consecutive years, significantly reducing the financial burden of high medical costs for residents [4] - In 2025, the number of participants in "Shenzhen Huimin Insurance" reached 6.159 million, with nearly 380,000 claims paid out [4] Group 4: Support for Technological Innovation - Shenzhen is home to 25,000 high-tech enterprises, and China Life Property Insurance's Shenzhen branch has developed insurance products to support the entire risk management process for technology companies [6] - In the first half of 2025, the branch provided risk coverage of 754.2 billion yuan for technology enterprises, contributing to the optimization and stability of the region's industrial structure [6] - Guangfa Bank has focused on the financing needs of technology enterprises, promoting a virtuous cycle between technology, industry, and finance [6] Group 5: Environmental Protection Initiatives - Shenzhen has 1,290 parks, and China Life Group has invested in environmental projects, including a 1.5 billion yuan investment in Shenzhen Energy Environmental Protection [8] - Guangfa Bank has provided 2 billion yuan in loans for carbon reduction projects, supporting the implementation of advanced energy technologies [8] - In the first half of 2025, China Life Property Insurance provided risk coverage exceeding 624.1 billion yuan for clean energy sectors, enhancing the management of environmental, social, and governance risks [9]

Core Viewpoint - Shenzhen has become a model of China's reform and opening up over the past 45 years, with China Life actively supporting national strategies through various financial services and products aimed at enhancing the local economy and social welfare [1] Group 1: Support for Small and Micro Enterprises - Shenzhen is the most active city for small and micro enterprises, with nearly 50,000 new business entities added monthly in 2024 [2] - China Life has optimized its product offerings to support small and micro enterprises, including the introduction of tailored insurance products for various industries, covering over 13,000 small and micro enterprises with a total risk coverage exceeding 257.1 billion yuan by mid-2025 [2] - Guangfa Bank has developed an integrated online and offline financial service model, achieving a balance of over 40 billion yuan in loans for small and micro enterprises by July 2025 [3] Group 2: Social Welfare and Talent Retention - Shenzhen's talent pool has surpassed 7 million, making it one of the top cities for talent attraction in China [4] - China Life has been a key player in the "Shenzhen Huimin Insurance" program, with 6.159 million participants in 2025, providing significant medical expense coverage [4] - The company has also launched various insurance products targeting the elderly and children, providing comprehensive risk protection for different demographics [5] Group 3: Technological Innovation Support - Shenzhen hosts 25,000 high-tech enterprises, and China Life is actively involved in providing risk coverage for these companies, with 754.2 billion yuan in risk protection offered by mid-2025 [7] - Guangfa Bank has tailored financing solutions for technology companies, significantly increasing credit limits to support their growth [8] Group 4: Environmental Protection Initiatives - China Life has invested 1.5 billion yuan in Shenzhen Energy Environmental Company to support waste management and green initiatives [9] - The company has provided over 624.1 billion yuan in risk coverage for clean energy projects, contributing to Shenzhen's green transformation [10]

Core Viewpoint - The event "Media Look at Guoshou" held by Shandong Guoshou emphasizes the integration of insurance with public welfare, showcasing the commitment to providing inclusive financial services that protect the livelihoods of citizens [1] Group 1: Inclusive Financial Services - The "Hui Gong Bao" insurance for new employment forms provides a safety net for workers like delivery personnel, enhancing their sense of security [3] - The "Minsheng Rescue Liability Insurance" covers 649,340 people in 2023 and is projected to cover 644,730 in 2024, with a compensation limit of 150,000 yuan per person, alleviating financial burdens for low-income families and vulnerable groups [4] - The "Yantai Citizen Health Insurance" program is expanding from 90,300 participants in 2023 to 119,200 in 2025, reflecting ongoing improvements in coverage and benefits [4][5] Group 2: Support for Specific Groups - The "Hui Jun Bao" program for veterans is set to cover 237,800 individuals in 2023 with a total coverage of 287 billion yuan, and 79,700 individuals in 2024 with 125.39 billion yuan in coverage, addressing the needs of retired military personnel [5] - The "Hui Gong Bao" program has reached 2,484 individuals in 2024, providing coverage of 11.433 billion yuan, demonstrating the focus on supporting gig economy workers [7] Group 3: Financial Innovation for SMEs - The "Ti Fang Bao" model has reduced the traditional loan bridging period from 20 days to 3 days, benefiting 318 small and micro enterprises with 290 million yuan in financing [6] - The construction industry has benefited from the "Wage Payment Guarantee Insurance," which has alleviated 180 million yuan in deposit pressure for construction companies over the past three years [6] Group 4: Agricultural Insurance Solutions - The "Oyster Wave Height Index Insurance" provides 62.44 million yuan in coverage for 24,000 acres, utilizing marine data for precise payouts [8] - The "Guoshou i Agricultural Insurance" app has improved claims processing time by 300%, enhancing support for farmers [8] Group 5: Trade and Economic Support - The trade credit insurance has helped companies like Nanshan Group mitigate accounts receivable risks, facilitating smoother trade operations [9] - The customs guarantee insurance has released 540 million yuan in deposits, significantly improving customs clearance efficiency [10] Group 6: Risk Management and Prevention - The "Anxin Fang" cloud platform has shifted risk management from post-event compensation to proactive prevention, with 364 pre-disaster inspections conducted [11] - The company has established 14 rescue points across various regions, providing financial assistance to 684 victims in 2024, with a total payout of 48.58 million yuan [11]

Core Viewpoint - China Life Insurance leverages its comprehensive financial advantages and business synergy to provide a full range of financial and insurance services throughout the entire lifecycle, emphasizing its commitment to customer protection and service diversity [1][10]. Group 1: Comprehensive Financial Services - The company offers life insurance services covering health, retirement, medical, education, and accident insurance, while its property insurance services span various sectors from production to personal safety [1]. - China Life is implementing the "333 strategy" to enhance service diversity, inclusivity, and accessibility, aiming for a unified service approach under the motto "One China Life, One Lifetime of Protection" [1]. Group 2: Child Protection Initiatives - The "Worry-Free Childcare" initiative launched in 2024 provides dedicated insurance for childcare institutions in Guangdong, offering up to 100 million yuan in liability coverage for institutions and 10,000 yuan in personal accident medical insurance for each child [2]. - The company has expanded its coverage for children's insurance needs, providing approximately 1.8 trillion yuan in protection for about 27.3 million family members in 2024, and has developed products benefiting over 70 million children [3]. Group 3: Health and Medical Insurance - The "Great Love Without Borders" project, initiated in 2019, has insured 5.9 million people, with 2024 seeing approximately 1.14 million participants, covering 47% of the city's basic medical insurance population [4][5]. - The project also includes cancer screening initiatives, with plans to conduct at least 10,000 screenings for nasopharyngeal cancer in 2024 [5]. Group 4: Elderly Care and Support - The "Yikangbao" program provides 500 yuan monthly for long-term care for severely disabled elderly individuals, with over 56,300 beneficiaries and total payments of approximately 24.8 million yuan [7][8]. - The "Silver Age Safety" insurance project has been implemented for elderly individuals, covering over 90% of the elderly population in Guangdong, with total claims reaching 2.3 billion yuan [9]. Group 5: Support for New Employment Groups - In 2024, the company provided insurance coverage for over 34.47 million individuals in the "two new" employment groups, with property insurance covering nearly 160 billion yuan in risks [6]. Group 6: Commitment to Social Stability - China Life Insurance emphasizes its role as a stabilizing force in society, providing risk protection across all life stages and contributing to social development and the dignity of aging [10].