日前，在清华大学五道口金融学院《清华金融评论》主办的第二届"保险家论道"研讨会上，"2025 中国 保险业创新发展典型案例"正式发布。中国太保（601601）以其卓越的综合实力和专业的创新实践，携 旗下多家子公司一举斩获六项行业典型案例，涵盖绿色金融、普惠金融、养老金融、数字化转型、健康 服务、社会责任等多项前沿领域，全面彰显中国太保以专业创新服务国家战略，以金融活水润泽民生福 祉，持续为中国式现代化建设贡献力量。 科技赋能，打造行业领先的数智消保能力 中国太保产险规划建设的"苍穹"消保数字平台荣获年度数字化转型典型案例。苍穹"消保数字平台通过 聚合消保作业中心、消保管理中心、消保服务中心三大中心的能力建设，打破总分公司横向、纵向数据 流的壁垒，实现消保关键定性、定量指标的全面管控，为消保全周期管理赋能，打造行业领先的数智消 保能力。 "自"苍穹"消保数字平台上线以来，中国太保产险实现了消保全流程线上作业与数字化管控。目前，该 平台已完成中国太保产险全司40家分公司上线落地应用，消保作业中心审查时效从3天缩短至1天；接入 智审，作业效率提升30%。 苍穹"消保数字平台以科技赋能消保工作体系化、智能化、数字化， ...

Regulatory Dynamics - The first inclusion of commercial health insurance innovative drug directory into the medical insurance adjustment plan aims to enhance the multi-payment capability for innovative drugs [5] - The Financial Regulatory Bureau has proposed strict adherence to approved insurance terms and rates for non-auto insurance businesses [6][7] - In May 2025, the insurance industry reported a total premium income of 3.06 trillion yuan, with Jiangsu province leading at 315.1 billion yuan [10] Company Dynamics - Taikang Life has completed its first transaction with a pilot fund of 10 billion yuan [18] - Lian'an Life increased its stake in Jiangnan Water by acquiring 46.99 million shares, representing a 5.03% ownership [20] - Zhongyou Life officially acquired a 5% stake in Eastern Airlines Logistics, with a total transaction value of approximately 869 million yuan [21] - China Life announced a cash dividend of 0.45 yuan per share, totaling approximately 12.71 billion yuan [26] - China Life's insurance payout exceeded 30.2 billion yuan in the first half of 2025 [27] Personnel Changes - Zhao Yue has been appointed as a member of the Party Committee and Secretary of the Discipline Inspection Commission of the Fujian Financial Regulatory Bureau [31] - Yang Fan resigned as Chairman of Xinmei Mutual, with Hu Han taking over [33] - Bai Kai is expected to become the Vice President of Taiping Group [34] Industry Dynamics - Insurance capital has accelerated its entry into the market, with 19 instances of stake increases recorded this year, nearing last year's total [40] - The insurance industry raised nearly 50 billion yuan in capital in the first half of 2025, with 13 companies involved [42] - The health insurance market is evolving, with a focus on service-oriented products and addressing the needs of chronic disease patients [51][52] Product Services - Zhong'an Insurance launched the "Zhongminbao Million Medical Insurance 2025 Edition," which includes coverage for chronic disease patients [55] - The first "Low-altitude Operation Management Liability Insurance" was implemented in Jiangsu [56] - Guo Life Property Insurance introduced the "Yao Yan Bao" comprehensive insurance, focusing on drug research and development risks [58]

编者按： 自2023年中央金融工作会议谋划科技、绿色、普惠、养老、数字金融发展蓝图，到今年3月国务院 出台专项指导意见，做好金融"五篇大文章"引发金融业广泛共鸣。本报推出"做好'五篇大文章' 金 融业作答进行时"专栏，记录行业的行动和思考，淬炼可复制的创新样本，求解亟待突破的实践难 题。敬请垂注。 6月14日，台风"蝴蝶"二次登陆广东雷州沿海，仅几分钟后，吴川水产养殖户梁先生就收到了中国太保理赔款 到账短信。"围网刚被冲垮，赔款就到账了！这笔钱能马上抢修塘基、补投鱼苗，鱼塘总算有救了！" "蝴蝶"掠过，灾痕犹在，中国太保已将一笔笔"希望赔款"精准送达田间地头。这正是中国太保发挥专业优势, 多元化推进产品创新和服务赋能，不断提升保险服务的覆盖面、便利性、可得性，着力写好普惠金融大文章的 缩影。 在金融为民的时代考卷上，中国太保正以"普"与"惠"的笔触，让金融"活水"精准"滴灌"民生需求，将保险保障 的触角延伸至社会发展的神经末梢，直达实体经济的关键环节，用心用情用智书写普惠金融的太保样本。 提升民生保障，做好普惠保险"领跑员" "从来没想到过死亡离我这么近，住院治疗8个月，'沪惠保'为我赔付了近8万元，切实减轻 ...

Core Viewpoint - China Pacific Insurance (CPIC) is actively enhancing its insurance services and product innovation to promote inclusive finance, ensuring that financial support reaches the grassroots level and meets the needs of the real economy [1][4]. Group 1: Enhancing Public Welfare Insurance - The "Shanghai Health Insurance" (沪惠保) program has seen significant uptake, with over 4 million policies sold on its first day of the 2025 version, achieving a participation rate exceeding 20% [2][4]. - Since its launch in 2021, "沪惠保" has accumulated over 26 million participants and paid out more than 2.2 billion yuan in claims, benefiting numerous families [4]. Group 2: Agricultural Insurance and Support - CPIC has implemented innovative agricultural insurance solutions, providing timely compensation to farmers affected by natural disasters, as demonstrated by a farmer receiving compensation immediately after a typhoon [3][5]. - The company has established a "Three Summer" service team to support wheat farmers with technology and monitoring, enhancing disaster prevention awareness and improving yield [5][6]. Group 3: Community and Health Initiatives - CPIC is addressing the challenges of aging populations by exploring "insurance + public welfare" models, including a comprehensive program for Alzheimer's disease management [7][8]. - The "Blue Smart Home" initiative provides community-based brain health services, including early screening and support for families [7]. Group 4: Commitment to Social Responsibility - Since its establishment in 1991, CPIC has integrated social responsibility into its core mission, focusing on inclusive financial services and contributing to rural revitalization and poverty alleviation [8].

宠物店老板张先生（化名）经营着一家宠物食品、用品门店，日常经营中面临着多重潜在风险：宠物美 容时员工可能被抓伤咬伤，顾客购物时可能因地面湿滑而摔倒。这些风险一旦发生，不仅可能带来高额 赔偿，还可能影响店铺声誉。 张先生多方咨询发现，传统保险产品要么保障范围有限，将宠物场景排除在外；要么条款模糊，理赔时 更是困难重重。"沪业保-零售行业方案"的推出，让张先生感到温暖："沪业保，让经营更安心。"该产 品的意外险覆盖员工在为进店的宠物做相关服务期间受伤、顾客因地面湿滑而摔倒等情况；财产险则涵 盖因自然灾害、火灾等造成的商品、设备损失，精准覆盖了张先生担忧的风险点。 而苏东认为，普惠金融的本质是"为人民服务"，这与党"以人民为中心"的宗旨高度契合。"这不是喊喊 口号，而是必须落到实处。用高质量的普惠金融产品和服务满足人民的多元化需求，既是金融机构的责 任，也是贴合市场发展的需要。"苏东说。 在这一认知基础上，平安集团上海地区近年来深入贯彻"党业融合"指导思想，聚焦"五篇大文章"中的普 惠金融实践，通过精准滴灌实体经济、守护民生福祉，为上海国际金融中心、国际科技创新中心等"五 个中心"的建设发挥金融主力军作用；并通过数 ...

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]

近年来，在政府部门、监管部门的指导下，保险业推出了投保不限职业的"惠民保"普惠型产品，并且已 经覆盖全国百余座城市；此外，保险机构还根据不同灵活就业人群的保障需求，定制化设计了"骑行 保""安业保"等商业保险 ◎记者 何奎 穿梭于城市街道的网约车司机、奔波于高速公路上的货车司机、骑行在大街小巷的外卖员和快递员…… 这些灵活就业人群正是满足老百姓日常生活所需的"车轮上的奋斗者"。 上海证券报记者在调研中了解到，灵活就业人群由于自身风险较高、工作模式灵活、劳动关系模糊等特 点，往往难以购买到合适的保险产品。为护航这些"车轮上的奋斗者"，部分保险公司已经针对灵活就业 人群定制化设计保险产品，但产品的丰富度、普惠性、精准度仍有待提高。 保险产品多点"开花" 近年来，在政府部门、监管部门的指导下，保险业推出了投保不限职业的"惠民保"普惠型产品，并且已 经覆盖全国百余座城市；此外，保险机构还根据不同灵活就业人群的保障需求，定制化设计了"骑行 保""安业保"等商业保险。 今年4月，2025版"沪惠保"开启投保窗口，继续面向上海基本医保参保人员开放，在坚持不限年龄、不 限职业、不限健康状况的参保条件基础上，保费129元/人（ ...

支持创新药械、覆盖更多健康管理服务，正在成为惠民保产品持续运营的重要策略。 随着各地新一轮惠民保产品的陆续推出，多层次医疗保障体系建设进展如何？ 近日，安徽、深圳、上海等多个省份及城市的2025年版惠民保产品对当地居民开启投保。第一财经发 现，"深圳惠民保"此次新增了包括质子重离子、机器人手术、钇90微球等在内的多个创新药品和治疗项 目；上海"沪惠保"则将国内特药种类由原来41种扩增至48种，新增1个CAR-T治疗药品；而"安徽惠民 保"则提供更多健康管理服务，包含齿科服务、癌症早筛、癌症靶向药用药基因检测优惠服务等。 支持创新药械 支持创新药械、覆盖更多健康管理服务正在成为惠民保产品持续运营的重要策略。 上海市卫生和健康发展研究中心主任金春林认为，由国家医保局牵头和组织的丙类药品目录制定工作， 可以降低险企与药企之间复杂的谈判和沟通成本，进而提升创新药的覆盖效率，真正识别出创新药的价 值，并以适当的价格落地，该过程集合了国内专家的整体力量，这些要素很关键。 除了新增多个创新药品和治疗项目，此次"深圳惠民保"还拓宽了"港澳药械通"范围，如在原有9个"港澳 药械通"药械的基础上，将阿培利司薄膜衣片（治疗晚期乳腺 ...

Core Insights - The "Hu Hui Bao" program, a customized commercial supplementary health insurance in Shanghai, has opened its enrollment window for 2025, attracting over 4 million participants on the first day, highlighting its significant appeal as the largest "benefit insurance" project in the country [1][8] - Since its launch in 2021, "Hu Hui Bao" has adhered to principles of government guidance, commercial operation, and public benefit, with cumulative enrollment exceeding 26 million by the end of March 2025 and total claims surpassing 2.2 billion yuan [1][8] - The program has undergone multiple upgrades over the years, enhancing coverage while maintaining stable premium rates, with the maximum coverage amount increasing from 2.3 million yuan to 3.1 million yuan [2][3] Enrollment and Coverage - "Hu Hui Bao" is characterized by low thresholds, high coverage, and broad accessibility, allowing all Shanghai basic medical insurance participants to enroll regardless of age, health status, or occupation [2][3] - The premium has remained unchanged since 2022 at 129 yuan per year, while the coverage has been enhanced, with the deductible decreasing from 20,000 yuan in 2022 to 12,000 yuan in 2024 [2][3] Service and Claims - The program has expanded its service offerings, including coverage for specific high-cost medications and advanced treatments, with the number of covered domestic specialty drugs increasing from 41 to 48 in 2025 [3][4] - Claims processing has improved significantly, with an average case resolution time of just 2.3 days and a 90% application rate for electronic medical data, enhancing the overall user experience [5][6] Financial Sustainability - "Hu Hui Bao" operates under a co-insurance model involving multiple insurance companies to ensure risk sharing and sustainable operations [4][10] - The program aims for a "break-even" model, balancing high claim rates with low premiums, which is essential for maintaining its long-term viability [10][11] Innovations and Benefits - New benefits for 2025 include a 10% discount on original research drugs and online consultations with top-tier specialists, catering to the healthcare needs of various demographics, especially those with mild conditions [7][10] - The program has also expanded its family account pooling, allowing for broader coverage among relatives, enhancing its appeal to families [11]

2023年上线的上海普惠型家庭综合保险的"沪家保"不断提升服务水平，将普惠型家庭综合保险普惠、实 用、创新的特点切实落地。中银保险上海分公司副总经理吴宇熙表示，2024年推出"沪家保"2.0版，进 一步丰富增值服务内容，扩展电动自行车自燃、宠物和出租人等保险责任，进一步丰富增值服务内容， 截至2025年一季度末，"沪家保"累计承保上海居民81.43万户，提供5790.37亿元风险保障，累计处理报 案3998件，结案率96.44%，累计结案赔付金额972.92万元。 2024年，普惠型财产保险方面推出了上海首个服务小微企业和个体工商户普惠型综合保险"沪业保"。平 安产险上海分公司副总经理彭旭敏表示，截至2025年一季度末，"沪业保"累计为近5千家企业提供风险 保障近100亿元。下一阶段，"沪业保"将推进数字化进程，探索建设全国首个行业共享+政府监管的小微 企业普惠保险数字平台，按照"分批推进，形成系列"模式，持续打造行业版方案。目前，已完成零售业 专属方案的设计，近期即将上线推广。 此外，4月25日，上海普惠型家用电动自行车综合保险产品——"沪骑保"正式上线。人保财险上海分公 司总经理龙保勇表示，"沪骑保"围绕 ...