随着"惠民保"进入规范管理阶段，同样具备普惠基因的新型家庭财产保险（以下简称家财险）也在全国 各地陆续落地。 《每日经济新闻》记者注意到，近年来，普惠型家财险已在多地"安家"，持续激发市场需求。近期，多 个地区发布了最新年度的普惠型家财险保障方案。从内容上看，扩大保障责任、拓展"保险+服务"模 式，成为当前产品创新的主要方向。 12月26日，有业内人士在接受《每日经济新闻》记者采访时表示，普惠型家财险的创新，来源于需求端 与供给端的共同推动。2025年，监管层面也在推进财产险行业"报行合一"政策落地，这将有助于形成普 惠型家财险的行业标准。随着行业逐步规范，预计未来将有更多利好政策出台，引导产业端和供给端投 入更多资源与注意力，共同促进普惠型家财险的健康发展。 持续深化"普惠"属性 2022年3月，原银保监会与人民银行联合发布《关于加强新市民金融服务工作的通知》，明确要求推广 家庭财产保险，提升新市民家庭抵御财产损失风险的能力。 普惠型家财险作为普惠型产品，"普惠"是其核心主题。近期，各地陆续推出2026年普惠型家财险。 此外，增加与家庭安全相关的服务，也成为普惠型家财险的创新亮点。以"护湘保3.0"为例，其 ...

Regulatory Dynamics - Three departments will jointly conduct a financial education publicity week from September 15 to 21, 2025, focusing on enhancing financial knowledge and protecting consumer rights [6] - Two departments announced a list of pilot projects for intelligent elderly care service robots, including 32 key technology projects [7] - The Financial Regulatory Bureau revised the consumer rights protection evaluation method for financial institutions, introducing seven evaluation elements [10] - The Central Bank will increase financial support for regions undergoing comprehensive reform trials for market-oriented resource allocation [12] - Beijing Shunyi will provide up to 50 million for new registered financial institutions [13] Company Dynamics - China Ping An increased its stake in Postal Savings Bank of China to 16.01% by purchasing 7,068.81 million HKD worth of shares [19] - Great Wall Life raised its stake in New天绿色能源 to 11.11% with an investment of 1,271.97 million HKD [20] - China Pacific Insurance plans to issue 155.56 billion HKD in zero-coupon convertible bonds to support its insurance business [23] - China Life Asset Management initiated a debt investment plan worth 2.1 billion for the Longxi口航电 hub project [24] - China Taiping showcased its achievements at the 2025 Service Trade Fair [29] Industry Dynamics - The insurance industry saw a 43.61% year-on-year increase in penalties in August 2025, totaling 44.33 million [49] - Insurance companies have issued over 273 billion HKD in zero-coupon convertible bonds this year [50] - Insurance capital is increasingly being allocated to ETFs, with a significant rise in holdings [51] - The trend of "insurance buying insurance" is re-emerging, with insurers increasing equity asset allocations [53] - 86 property insurance companies reported a combined net profit of over 527 billion, with only 8 companies reporting losses [64] Product and Service Innovations - Ping An Life launched the e生保 series of medical insurance products, featuring a new "安有医" service [67] - China Life introduced a new mid-range medical insurance product [66] - The "沪家保3.0" product was launched, increasing total coverage by nearly 15% without changing the premium [66]