Core Insights - 2025 is a pivotal year for the implementation of the financial "five major articles," with continuous policy dividends and deep integration of industry innovation practices, enhancing the quality and efficiency of financial services to the real economy [1] - The insurance industry plays a crucial role as an economic stabilizer and social stabilizer, focusing on key areas such as technology finance, inclusive finance, and green finance, thereby achieving dual improvements in scale and quality, as well as service and innovation [1] Policy Support - Multiple favorable policies are being released to facilitate the implementation of financial services, including the issuance of the "Guiding Opinions" by the State Council in March, which emphasizes the need to enrich technology insurance products and provide comprehensive financial services for technology enterprises [4] - In April, the regulatory authorities released an implementation plan for high-quality development of technology finance, encouraging insurance companies to develop insurance products covering the entire process of technological innovation activities [4] - In May, several departments proposed policies to support insurance funds in participating in equity investments and venture capital, promoting long-term investment reforms [4] Technological Innovation in Insurance - The insurance industry is focusing on developing a comprehensive risk protection network for technology innovation, launching innovative products tailored to the needs of high-risk technology sectors such as integrated circuits, biomedicine, and artificial intelligence [5] - By the third quarter of 2025, the premium income from technology insurance in China increased by 30% year-on-year, significantly outpacing the industry average, making it a core growth driver for financial services in technology innovation [5] Inclusive Insurance Development - The insurance industry is enhancing its inclusive insurance offerings to better serve small and micro enterprises, rural revitalization, and vulnerable groups, translating policy dividends into tangible benefits for the public [10] - Specific initiatives include the introduction of tailored insurance products for high-risk occupations and the development of low-threshold, affordable insurance products to meet the needs of the elderly and other vulnerable groups [11][12] Green Insurance Initiatives - The insurance industry is actively promoting green insurance and investment to support the comprehensive green transformation of the economy and society, with a focus on developing targeted risk protection solutions and enhancing the green insurance system [13] - As of mid-2025, insurance funds have invested significantly in green projects, with over 1.38 trillion yuan in debt investments and more than 700 billion yuan in equity investments directed towards green industries [14]

目前，家财险产品没有户籍限制，自有房、租住房均可投保，但多限于住宅用房。具体要求是满足 房屋属地原则，且为被保险人自有、居住或管理的，国家建筑规定的钢结构、钢筋混凝土结构或砖混结 构的住宅用房。换言之，对于实际使用性质为商用的房屋，或者房屋结构为竹、木、砖木的，因任何原 因造成房屋和其室内财产损失的，不在家财险承保范围内。 问题三：同一房屋只能购买一份普惠家财险吗？ 不是，以实际市场价值为限，各地要求不同。比如，深圳"惠家保"允许同一房屋最多投保5份，河 南"惠家保"允许同一房屋最多投保3份。 问题四：普惠家财险是否支持中途退保？ 支持。与大多保险产品类似，在家财险保险责任生效日前，若缴费人提出撤单取消参保，可申请退 费。但在保险责任生效日后，若缴费人提出退保，可通过联系人工客服等形式提交批改或退保材料，但 要扣除一定保费。 随着近年来各地惠民保产品的热销，大家对于普惠保险的了解逐步加深。不过，对于普惠家财险这 类较为专业的险种还较为陌生。《金融时报》记者就大家普遍关心的问题梳理出一份实用指南。 问题一：普惠家财险保啥？ 当前，各地普惠家财险产品保障内容不一。多数普惠家财险的投保范围既包括自有房屋的业主，也 ...

要推动家财险从"低频高损"的灾后补偿向"高频低损"的风险减量服务转化，让其成为助力构建韧性 城市的重要抓手。 当前，普惠家财险产品仍需从渠道建设、产品创新、生态协同等维度进一步优化。在销售端，要强 化渠道建设，扩大产品覆盖面，撕掉家财险身上的"小众标签"。在产品端，要深化科技赋能，完善产品 设计。 《金融时报》记者从多家互联网平台了解到，近期,家财险页面访问量飙升，讨论热度持续升高。 在讨论中，人们发现有一类与惠民保相似的家财险，价格亲民、保障全面，这就是城市定制型普惠家财 险（以下简称"普惠家财险"）。据不完全统计，当前，已有包括北京"普惠家财保"、海南"惠家保"、深 圳"惠家保"等在内的20多款普惠家财险产品落地。 面对居民家庭财产保障需求的觉醒，普惠家财险能否接住这波"泼天流量"？又如何跳出传统家财险 所面临的困境，打通消费者认知与认可的"最后一公里"？ 需求攀升、政策支持 普惠家财险上新提速 "传统家财险不仅在供给端存在局限性，从需求端来看，家庭财产损失发生概率相对较低，居民感 知不足，加之普遍对政府进行灾后救助的路径依赖，导致居民主动投保意愿普遍偏低。"有业内人士对 《金融时报》记者分析道，在此背景 ...