中新网上海9月6日电 (记者 许婧)助力转企、增加订单、缓解资金压力……上海市市场监管局6日联合上 海市扶持个体工商户发展联席会议成员单位、金融保险机构、民营经济协会等，为全体个体工商户送 上"精准服务大礼包"。 记者在现场看到，活动设有金融帮扶专区，特别邀请中国银行上海市分行、市保险同业公会等机构入 驻。中国银行现场推介"名特优新专享贷""惠民贷""便民贷"等专属产品，上海市保险同业公会则宣 传"沪业保"等保障服务，工作人员详细讲解申请条件、办理流程及利率优惠。 活动现 场。上海市市场监管局供图 上海市市场监管局登记处相关负责人介绍，上海正持续深化个体工商户分型分类精准帮扶工作，结合前 期分型成果，针对不同发展阶段的个体工商户需求，制定差异化服务策略。此次服务月首日活动聚 焦"名特优新"个体工商户培育与扶持，既搭建政策对接桥梁，又打通服务落地"最后一公里"，切实解决 个体工商户在经营、转型、融资等方面的痛点难点，进一步延长个体工商户生存周期、提升发展质量。 服务月期间，上海市场监管部门将继续发挥好牵头协调作用，会同上海市扶持个体工商户发展联席会议 各成员单位协同发力，共同做活、做新、做亮"个体工商户服务月" ...

Core Viewpoint - The summit focused on the theme of "Inclusive Finance for a Better Life," showcasing the latest achievements of Ping An Group in the fields of inclusive finance and health management in Shanghai [1][3]. Group 1: Financial Services and Innovations - Ping An Group's Shanghai region has launched innovative inclusive financial products such as "Sci-Tech Insurance" and "Shanghai Industry Insurance" to support small and micro enterprises and vulnerable groups [4][7]. - The "Shanghai Industry Insurance" has provided over 11 billion yuan in risk protection to nearly 10,000 small and micro enterprises in Shanghai within a year of its launch [4]. - Ping An Bank's inclusive loan issuance reached nearly 5 billion yuan this year, with a year-on-year increase of 48%, addressing the "financing difficulty" issue [5]. Group 2: Health Management and Services - Ping An is actively responding to the national "Healthy China" strategy by providing proactive medical health management services to individual clients and corporate employees [6]. - The "Shanghai Health Insurance" has paid out nearly 40 million yuan in claims over four years, benefiting individuals aged from 3 months to 102 years [6]. - Ping An's health insurance division has introduced various products, including "Eye Protection Insurance," which covers myopia prevention services for children aged 3 to 18 [6]. Group 3: Strategic Goals and Contributions - Ping An Group emphasizes the integration of "comprehensive finance + medical and elderly care" into inclusive finance practices, contributing to the construction of Shanghai's international financial and technological innovation centers [3][10]. - The company aims to address the five key areas of "technology finance, green finance, inclusive finance, elderly finance, and digital finance" to support national strategies and high-quality development in Shanghai [10].

Core Insights - The development of inclusive insurance is significantly improving the lives of various demographics, including farmers, urban workers, the elderly, and disabled groups, with notable participation rates and product enhancements [1][4][5] Policy Support - The inclusive insurance sector is receiving strong policy backing, with the government emphasizing the need for comprehensive insurance coverage for vulnerable groups such as the disabled, veterans, and economically disadvantaged students [2][3] - Recent policies aim to expand coverage, improve product quality, and enhance efficiency, ensuring that insurance services are accessible and affordable for a broader population [2] Product Innovation - The "惠民保" (Huiminbao) products are evolving with lower entry barriers, richer coverage, and higher insurance amounts, transitioning from growth to quality enhancement [4][5] - New iterations of "沪惠保" (Shanghai Huibao) and "北京普惠健康保" (Beijing Inclusive Health Insurance) have expanded their drug coverage and reduced deductibles, making healthcare more accessible [5][6] Market Expansion - The inclusive insurance ecosystem is expanding beyond traditional health coverage to include diverse products like urban customized home insurance, which addresses the needs of new citizens and gig economy workers [6][7] - Innovative products such as "沪儿保" (Shanghai Child Insurance) and "沪骑保" (Shanghai E-bike Insurance) are being introduced, reflecting a comprehensive approach to meet various insurance needs across different demographics [7]

Group 1 - The core viewpoint of the articles highlights the launch and significance of the "Huyebao" insurance product aimed at small and micro enterprises and individual businesses in Shanghai, emphasizing its role in providing affordable and comprehensive risk coverage [3][4][5] - "Huyebao" offers differentiated insurance solutions covering property loss, business interruption, and personal accidents, thus becoming a crucial financial tool for safeguarding the assets of Shanghai's citizens and businesses [4][5] - The product has already provided risk protection exceeding 100 billion yuan to nearly 10,000 small and micro enterprises and individual businesses, demonstrating its impact on the local economy [5] Group 2 - The "Hujiaobao" family comprehensive insurance, launched in 2023, is the first of its kind in China, designed to protect household assets and provide various services, with an annual premium of 189 yuan per household [6][7] - Since its launch, "Hujiaobao" has sold over 800,000 policies, offering risk coverage exceeding 600 billion yuan and paying out over 10 million yuan in claims, showcasing its popularity and effectiveness [7] - The insurance service alliance for "Hujiaobao" has integrated additional services such as home appliance cleaning and legal consultations, enhancing the overall value proposition for customers [7][8]

Group 1 - The core idea of the articles revolves around the development and impact of inclusive financial products in Shanghai, particularly focusing on "沪业保" and its role in providing risk coverage for small and micro enterprises [1][2][3] - "沪业保" was launched on May 15, 2024, and has provided 11.7 billion yuan in risk coverage to nearly 10,000 small and micro enterprises across various industries in the past year [1] - The product addresses specific risks faced by pet shop owners, such as employee injuries and customer accidents, thereby enhancing operational security and reputation [1] Group 2 - The growth of "沪业保" is a testament to China Ping An's commitment to inclusive finance in Shanghai, as highlighted during the recent inclusive finance summit [2][3] - The summit emphasized the importance of integrating financial services with community needs, showcasing a range of products like "沪惠保" and "科创贷" that cater to diverse customer segments [2][3] - Ping An's strategy includes a focus on "financial for the people," aligning with national goals for a multi-layered social security system [3] Group 3 - Ping An's Shanghai institutions contributed over 4.757 billion yuan in taxes and served 7.07 million individual clients and 495,000 corporate clients, creating over 17,800 jobs [4] - The company has developed a comprehensive product matrix that addresses the unique needs of various stakeholders, from individual residents to small businesses and tech enterprises [5][6] Group 4 - The "科创保" and "科创贷" products were introduced to support technology enterprises, providing coverage for network security and patent infringement, as well as facilitating quick loan approvals [9][10] - Ping An's integrated financial approach aims to provide a one-stop solution for clients, combining insurance, banking, and health services to enhance customer experience and satisfaction [10][11] Group 5 - The future of inclusive finance at Ping An is envisioned as a dual-driven model of "technology + service," utilizing big data and AI to optimize service delivery and meet customer needs [11][12] - The company's commitment to enhancing the accessibility and quality of financial products reflects its dedication to serving the community and supporting national financial goals [12]

Core Viewpoint - The insurance industry is increasingly focusing on providing tailored products and services to support small and micro enterprises, which are crucial for economic growth but face unique risks and challenges [1][2][3]. Group 1: Product Innovation and Impact - "Zhiwei Bao" is a specialized insurance product launched by PICC for small and micro enterprises, offering low premiums and high coverage, aimed at enhancing risk management capabilities [1]. - The "Huyebao" project in Shanghai has provided risk coverage totaling 11.3 billion yuan for nearly 10,000 small businesses, covering various risks such as property loss and business interruption [3]. - China Life Property & Casualty has developed a specialized insurance product for small construction enterprises, providing 6.625 billion yuan in risk coverage to 1,325 companies [3]. Group 2: Challenges in Insurance for Small Enterprises - Small enterprises face high insurance costs and limited coverage options, with an average employee turnover rate of 30% to 40%, complicating the continuity of insurance coverage [4][5]. - The insurance products for small enterprises have a payout rate exceeding 70%, while premiums are often only a few hundred yuan annually, highlighting the tension between high claims and low premiums [5]. Group 3: Recommendations for Insurance Industry - The insurance industry should leverage technology such as big data and AI to create more precise and tailored insurance products for small enterprises, addressing their diverse risk profiles [6]. - There is a need for insurance companies to innovate and break traditional norms to better serve small enterprises, particularly in developing risk transfer tools and financial risk control [6]. Group 4: Policy Guidance and Future Directions - The Financial Regulatory Bureau has issued guidelines to enhance financial services for small enterprises, emphasizing the importance of internal mechanisms and risk assessment [8][9]. - Insurance companies are encouraged to develop a variety of products tailored to the needs of small enterprises, including property, liability, and health insurance, to improve their risk management capabilities [9].

Group 1 - The core viewpoint of the articles highlights the rapid development of inclusive insurance in Shanghai, with a diverse range of products catering to various demographics beyond just the elderly and new citizens [1] - China Ping An launched innovative inclusive financial insurance products such as "Kechuangbao" and upgraded versions of "Huyebao," further enriching the product offerings in the inclusive finance sector [1][2] - The "Huyebao" program has maintained a stable annual participation rate of over 30% for four consecutive years, making it the largest inclusive insurance project in the country [4] Group 2 - The upgraded "Huyebao" includes versions for individual businesses and the internet, covering scenarios like restaurants and small enterprises, and introduces a unique "dual protection" model [2] - "Kechuangbao" provides triple protection for technology companies, including cybersecurity, patent infringement, and R&D expenses [3] - In its first year, "Huyebao" has provided over 11 billion yuan in risk protection for nearly 10,000 small enterprises in Shanghai, with over 90% of the underwriting done by Ping An's Shanghai branch [3] Group 3 - Ping An's Shanghai branch has contributed significantly to the local economy, with tax contributions exceeding 4.757 billion yuan in 2024 and serving 707,000 individual clients and 495,000 corporate clients [3] - The "Huzhibao" initiative has helped establish disease warning archives for 50,000 elderly individuals through brain health screening and intervention services [4] - The "Huyebao" program has cumulatively compensated nearly 40 million yuan over four years, demonstrating its effectiveness in providing health coverage [4]

Core Insights - Inclusive insurance plays a crucial role in enhancing social welfare, promoting balanced economic development, and improving living standards in Shanghai [1] Group 1: Market Overview - As of the end of Q1 2025, the "Shanghai Insurance Code" has nearly 1.5 million registered users, generating over 200 million yuan in premiums and providing risk coverage exceeding 500 billion yuan [1] - The Shanghai insurance industry has launched various inclusive insurance projects such as "Huibao," "Hujia Bao," and "Huyebao," focusing on enhancing insurance protection for specific groups [1] Group 2: Pension and Health Insurance - By the end of 2024, Shanghai's personal pension account numbers and contributions are expected to rank among the top in the country, with contributions exceeding 15 billion yuan and over 87,600 insurance products purchased [1] - The "Silver Care" project has maintained a stable premium of 20 yuan while expanding coverage from 2 to 13 items, effectively addressing the insurance needs of 13.6 million elderly individuals [2] Group 3: Product Innovations - The "Hujia Bao" family comprehensive insurance has insured 814,300 households, providing risk coverage of 579.037 billion yuan, with a case settlement rate of 96.44% [3] - The "Huyebao" project has provided risk coverage of nearly 10 billion yuan to around 5,000 small and micro enterprises, with plans to develop a digital platform for inclusive insurance [3] - The newly launched "Huqibao" electric bicycle insurance aims to create a comprehensive risk protection system, offering significant coverage for a low premium [4]

Core Viewpoint - Shanghai has launched a series of inclusive insurance projects, creating a new matrix for public welfare finance and positioning itself as a national leader in inclusive insurance [1] Group 1: Development of Inclusive Insurance - The Shanghai insurance industry has actively responded to policy initiatives, leading to significant innovations and practices in the inclusive insurance sector, resulting in a steady development trend [1] - The "Hui Huibao" project, launched five years ago, has provided medical coverage for nearly 27 million people, with a first-day sales record of over 4 million policies for the 2025 version [2] - The 2025 version of "Hui Huibao" includes a new supplementary insurance for specific diseases, with a premium of 50 yuan and coverage of up to 200,000 yuan for 11 high-incidence cancers [2] Group 2: Focus on Elderly Insurance - Shanghai has seen a significant increase in personal pension accounts, with contributions exceeding 15 billion yuan and over 87,600 insurance products purchased [3] - The "Silver Hair Worry-Free" project, designed for the elderly, has expanded its coverage from 2 to 13 items while maintaining a stable premium of 20 yuan since its launch in 2006, covering 13.6 million elderly individuals by 2024 [3] Group 3: Innovations in Property Insurance - The "Hui Jiabao" family comprehensive insurance, launched in 2023, has provided risk coverage for 814,300 households, with a total risk coverage of 579.037 billion yuan [4] - The "Hui Yebao" project, aimed at small and micro enterprises, has provided nearly 10 billion yuan in risk coverage for around 5,000 businesses by the first quarter of 2025 [4] - The "Hui Qibao" electric bicycle insurance, launched in April 2024, offers extensive coverage for various risks associated with electric bicycle usage, including a unique "million third-party" liability coverage [5]

Core Insights - Shanghai's "Hu Hui Bao" insurance program has seen significant growth, with over 4 million participants on its first day of sales in 2025, marking a 20,000 increase from the previous year [1][2][4] - The program has maintained a stable annual participation rate of over 30%, indicating strong demand and acceptance among the population [4] - The introduction of various innovative insurance products targeting specific demographics reflects a broader trend in Shanghai's insurance market towards inclusive and accessible coverage [1][5][6] Summary by Category Product Development - "Hu Hui Bao" has expanded its coverage to include more domestic and international specialty drugs, increasing the number of covered drugs from 41 to 48, and CAR-T therapy options from 3 to 4 [1] - New insurance products such as "Hu Er Bao" for children's outpatient and inpatient coverage, "Hu Bu Bao" for advanced medical equipment, and "Hu Ji Bao" for delivery riders have been launched, showcasing a diverse range of offerings [1][2][5] Market Impact - "Hu Hui Bao" has become the largest public welfare insurance project in China since its launch in 2021, with cumulative claims exceeding 2.2 billion yuan and a total of 1.1 million cases settled [2][4] - The introduction of "Hu Jia Bao," a family comprehensive insurance product, has provided coverage for 814,300 households, offering risk protection of 579 billion yuan [4] Regulatory and Policy Support - The Chinese government has emphasized the importance of inclusive finance, with specific policies aimed at promoting the development of inclusive insurance products [6][7] - Shanghai's financial regulatory body has outlined six specific requirements to enhance the quality and reach of inclusive insurance, including optimizing health insurance offerings and improving management mechanisms [6]