Core Viewpoint - The establishment of the Hainan Free Trade Port marks a significant milestone in China's reform and opening-up, with the implementation of a customs supervision model that facilitates international trade and investment while ensuring effective management of domestic regulations [1] Group 1: Company Involvement - China Life Insurance has integrated its development into the broader context of the Hainan Free Trade Port, focusing on core financial needs related to the port's operations [2] - The company has invested over 20.9 billion yuan in Hainan and reported a 20% year-on-year increase in claims, totaling 450 million yuan for the year [2] Group 2: Industry Support and Development - The company is actively supporting industrial upgrades by providing customized insurance solutions to various market entities, particularly targeting small and micro enterprises [3] - By the end of 2025, the company aims to cover over 1,400 small enterprise clients with insurance premiums under 100,000 yuan, providing risk coverage exceeding 150 billion yuan [3] Group 3: Green Insurance Initiatives - China Life is focusing on green insurance as a key area of service for the Free Trade Port, with a total green premium income of 917,000 yuan and services provided to nearly 3,000 individuals [4] Group 4: Social Welfare and Healthcare - The company is deeply involved in building a multi-tiered social security system, with the "Hui Qiong Bao" medical insurance program covering over 700,000 people and total claims exceeding 41 million yuan [5][6] - The company has also implemented a nursing insurance project for low-income groups, benefiting over 300 individuals [6] Group 5: International Service Adaptation - China Life is enhancing financial services for foreign personnel in Hainan, providing over 8.3 billion yuan in insurance coverage to more than 6,700 foreign individuals [7] Group 6: Targeted Protection for Diverse Groups - The company is tailoring insurance solutions for various demographics, including the elderly and new economy workers, with significant coverage provided to over 14 million elderly individuals and 7,000 new economy workers [8] Group 7: Financial Investment in Infrastructure - China Life is leveraging its financial resources to support key infrastructure projects in Hainan, including a 420 million yuan investment in the Hainan East and West Ring Railway project and a 600 million yuan investment in the expansion of Sanya Phoenix International Airport [9][10] Group 8: Commitment to Future Development - The company is committed to continuing its support for the Hainan Free Trade Port's high-quality development, focusing on precise protection, innovative services, and robust support [10]

风险保障筑牢产业"防护网"。中国人寿财险海南省分公司深度对接海南产业需求，创新保险供给。 独家承保全省"高层次人才商业健康团体保险"，三年保障规模1.2亿元，筑牢人才强省"健康防线"。针 对热带农业风险，创新推出天然橡胶"保险+期货"产品，近五年累计提供风险保障1361.25万元，稳定胶 农收入；联合地方政府推出深海网箱金鲳鱼保险，精准服务海洋养殖产业。与此同时，寿险海南省公司 推出"数铠保"等保障方案，为科技企业及其员工提供定制化保障，支持战略性新兴产业发展。 12月18日，海南自由贸易港正式启动全岛封关。中国人寿以保障为笔，以服务为墨，在这片热土上 悉心描摹"幼有所育、病有所医、老有所养、弱有所扶"的温暖图景，让发展成果惠及更多老百姓。 中国人寿积极融入海南多层次医疗保障体系建设，携手地方政府织密健康防护网。由集团旗下寿险 海南省分公司深度参与的城市定制型医疗保险"惠琼保"，具有普惠性、广覆盖的特点。2025年，"惠琼 保"全省参保人数超70万人。自2021年承办至今，公司累计赔付超1.5万人次，赔付金额超4100万元。 中国人寿寿险海南省分公司聚焦快递骑手、网约车司机等新业态从业人员的保障需求，加大保险 ...

12月18日，海南自由贸易港正式启动全岛封关。此举不仅是海南经济发展的里程碑，也标志着中国对外 开放进入全新阶段。 与此同时，一幅中国人寿深度参与、全面服务自贸港建设的画卷，正在南海之滨的碧海蓝天之间徐徐铺 展…… 惠民"琼"尽一片心 撑起自贸港幸福伞 在碧海蓝天、椰风海韵的自贸港画卷上，民生幸福是最温暖的底色。中国人寿以保障为笔，以服务为 墨，在这片热土上悉心描摹"幼有所育、病有所医、老有所养、弱有所扶"的温暖图景，让发展成果惠及 更多老百姓。 守护"医"路，让群众看病有"医靠"。中国人寿积极融入海南多层次医疗保障体系建设，携手地方政府织 密健康防护网。由集团旗下寿险海南省分公司深度参与的城市定制型医疗保险"惠琼保"，凭借普惠性、 广覆盖的特点，已成为海南民生保障的一张亮丽名片。2025年，"惠琼保"全省参保人数超70万人。自 2021年承办至今，公司累计赔付超1.5万人次，赔付金额超4100万元，一笔笔赔付金化作"及时雨"，有 效减轻了参保患者的医疗费用负担，让"病有所医"更有底气。财险海南省分公司聚焦前沿医疗需求，创 新推出的"乐城特药险"，将博鳌乐城先行区政策红利转化为切实保障，让70种全球创新抗癌特 ...

当前，随着海南自贸港建设进入全面封关运作的关键阶段，海保人寿表示，将立足更高发展站位，落实更务实的举 措，切实履行金融企业服务民生、助力发展的职责担当，为自贸港高质量发展注入更多保险动能。 作为海保人寿企业文化月的重要活动，颁奖典礼聚焦多元表彰维度，集中颁发了"我为海保献良策"建议征集活动奖 项、最佳宣传个人奖、优秀短视频作品及演员奖等多个方面的荣誉奖项，旨在表彰先进标杆，树立典型模范，弘扬担 当精神，激励全体员工以更积极的姿态主动参与公司建设、勇于担当作为。 作为首家筹建于海南的全国性保险法人机构，海保人寿紧扣海南自贸港政策红利与创新发展需求，持续探索服务地方 经济和保障民生、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。作为海南特色普惠保险"惠琼保"项目的 重要参与力量，海保人寿已连续三年担任主承保方，2025年实现保费规模与参保件数双增长的亮眼成绩，并牵头搭 建"一站式"结算平台，在海南省人民医院、海南医科大学第一附属医院等试点运行。2026版"惠琼保"在延续普惠属性 的基础上，创新推出"免赔额动态调整"和"家庭参保优待"量大机制，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 ...

北京商报讯（记者 李秀梅）10月24日，海南金融监管局发文表示，海南金融监管局落实金融监管总局 关于高质量发展普惠金融的决策部署，进一步丰富普惠金融内涵，推动完善海南普惠保险体系，满足学 生群体多元化健康保障需求，指导辖内保险机构在我省普惠型城市商业医疗保险"惠琼保"基础上针对学 生群体推出海南省首款普惠型学生健康保险"惠学保"，该产品已于2025年10月16日上线。产品坚持"保 本微利"的普惠定价原则，以小额医疗作为基础责任，同时提供特定疾病、意外医疗、意外伤害等保障 责任，为我省在校学生织密风险防护网、夯实健康保障基石。 ...

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].