2025年12月30日，工作刚满半年的李雨桐在研究许久后，卡着截止日期的前一天，在手机上完成了 2026年度"北京普惠健康保"的参保。"工作时间不久，预算有限。195元能给健康买一个保障和心安，还 能直接用医保个人账户缴费，我感觉比较值。"李雨桐说。65岁的陈国平也在子女的建议下进行了"北京 普惠健康保"续保，"理赔门槛降了一半多"。 2026年1月1日起，2026年度惠民保在全国多地陆续生效。新一年的惠民保在延续亲民保费的基础 上，通过扩大特药目录、降低理赔门槛、拓展保障人群等一系列升级举措，让这份普惠性补充医疗保 险，不仅成为中老年群体的"安心之选"，也成了年轻人眼中的"高性价比保障选择"。 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，要"健全多层次医疗保 障体系"。近期召开的全国医疗保障工作会议也明确提出，要支持商业健康保险发展，支持商业健康保 险与基本医保衔接互补、差异化发展，积极落地商保创新药品目录。 作为衔接基本医保与商业健康保险的重要载体，惠民保正迎来新一轮高质量发展周期。然而，"惠 民保用得上吗""低保费是否意味着低保障""买了惠民保还要买其他商业保险吗"等疑问，仍萦绕在 ...

专题：2025中国保险创新论坛 2025年12月17日，以"融创共生"为主题的第20届中国保险创新论坛暨第20届中国保险创新大奖颁奖盛典 在常州举行。 保险康养产业联盟执行会长何志光在论坛上发布了《2025年度中国保险医康养产业研究报告》。以下是 报告的核心内容： 何志光 保险康养产业联 盟执行会长 尊敬的各位领导、各位来宾、保险界的同仁们： 大家好！ 非常荣幸能站在第20届中国保险创新论坛这一汇聚行业智慧与远见的盛会上，与各位共同探讨一个关乎 国计民生、行业未来的重大课题——保险业如何深度融入并引领医康养产业的伟大变革？ 我们正处在一个前所未有的历史交汇点。一方面，是国家政策从"十四五"的筑基固本，迈向"十五五"的 提质升级；另一方面，是市场需求从基础保障，向全生命周期、高品质健康与养老服务的深刻演变。根 据国家统计局数据，2024年末，我国60岁及以上人口达到31031万人，首次突破3亿人。这一庞大的群 体，正是我们服务的新蓝海。在这双重强劲驱动下，中国医康养产业正迎来一场以"服务化、生态化、 规范化"为标志的高质量转型。 而在这场波澜壮阔的转型中，保险业不再是旁观者，而是当仁不让的"引领者"与"核心枢纽 ...

"看病能报销、异地能结算、用药更省心、服务更便捷"，这是"十四五"期间上海市民在医疗保障领域最 真切的感受。五年来，上海医保部门始终保持"排头兵"和"先行者"的姿态，在制度完善、政策供给、区 域协同、机制创新、服务升级等方面持续发力，构建起覆盖全民、权责清晰、保障适度、可持续的多层 次医疗保障体系。 多层次保障持续完善 上海持续完善参保扩面机制，基本医疗保障不断夯实。出台医疗保障待遇清单制度实施意见，逐年提升 保障能级，2025年职工医保统筹基金最高支付限额达65万元。深化职工医保门诊共济保障改革，分步落 地个人账户家庭共济改革政策，实现家庭支付和缴费共济，优化门急诊费用支付规则和个人账户计入标 准，切实减轻群众门诊就医负担。 参保覆盖范围持续扩大，制定健全基本医疗保险参保长效机制实施意见，聚焦大学生等重点人群开展集 中宣传，扩拓展参保覆盖面。优化参保政策供给，2023年5月起放开灵活就业人员参加职工医保的户籍 限制，2024年3月起取消港澳台居民参保"居住且持有居住证2年以上"的限制，让更多群体共享医保红 利。 大病保障制度逐步规范，推进城乡居民大病保险直接结算改革，将其全面纳入医保经办体系，理顺各类 保障 ...

Core Insights - The "Huiminbao" insurance product, previously criticized for the "death spiral" controversy, is now entering a phase of stable operation [2] - The number of Huiminbao products has stabilized around 200, with a significant reduction in the number of products discontinued due to operational issues [3][7] - The market is questioning whether Huiminbao can serve as a reliable payment option alongside basic medical insurance [5] Product Stability and Market Dynamics - As of July 31, 2025, only 12 Huiminbao products were discontinued, marking the lowest number in three years [4][7] - The total number of operational Huiminbao products slightly increased to 202 by mid-2025, after a decrease to 199 in 2024 [7] - The main sources of premium income for Huiminbao products are Beijing and Shanghai, with Beijing's Huiminbao covering 4.34 million people, a growth of approximately 140,000 from the previous year [7] Product Innovation and Coverage - In 2025, four new critical illness insurance products were introduced under Huiminbao, reflecting a trend towards more affordable, short-term insurance options [10][11] - The average number of special drugs included in Huiminbao products is 41, with over 80% of products featuring a special drug directory [12] - The coverage of special drugs is expanding to include various diseases, with an average of 28 conditions covered [12] Pricing Strategies and Risk Management - The introduction of differentiated pricing based on age and health status is becoming a key strategy for Huiminbao products [17][19] - The average premium for standard Huiminbao products has increased to 95 yuan, up from 60 yuan in 2021 [17] - Some products are exploring family or group discounts to encourage collective enrollment, which has proven effective in increasing participation rates [20] Future Outlook - The focus on attracting participants and expanding funding is crucial for the sustainability of the Huiminbao model, with differentiated pricing seen as a potential solution to avoid the "death spiral" [21]

Core Points - China Pacific Insurance (CPIC) showcased its commitment to green finance at the 2025 Sustainable Global Leaders Conference held in Shanghai, emphasizing its role in creating a sustainable future through insurance [3][12][40] - CPIC has been recognized for its ESG (Environmental, Social, and Governance) efforts, achieving an upgrade in its MSCI rating from "AA" to "AAA," making it the first insurance institution in mainland China to receive this highest rating [6][40] - The conference theme focused on global action, innovation, and sustainable growth, with CPIC participating for the second consecutive year and presenting its achievements in sustainable practices [12][40] Group 1: Conference Participation - The 2025 Sustainable Global Leaders Conference took place from October 16 to 18, 2023, in Shanghai, gathering global leaders to explore new paths for sustainable development [2][11] - CPIC set up an exhibition hall at the conference, showcasing its global layout, green practices, and social welfare initiatives [12][19] Group 2: ESG Achievements - CPIC has integrated green sustainable development into its core operations, aiming to build a leading insurance financial service group with market influence and international competitiveness [8][40] - The company has provided green insurance coverage amounting to 147 trillion yuan and has launched over 30 green insurance products, including a carbon emissions cost index insurance for the shipping industry [22][19] Group 3: Social Initiatives - CPIC's social welfare initiatives focus on vulnerable groups, particularly in areas like cognitive impairment and autism, with programs designed to support these communities [27][19] - The company has engaged in various interactive activities during the conference, attracting over 5,000 participants to promote awareness of its ESG practices [29][32]

Core Insights - The 2025 Sustainable Global Leaders Conference was held in Shanghai from October 16 to 18, focusing on "Facing Challenges Together: Global Action, Innovation, and Sustainable Growth" [1] - China Pacific Insurance (China Taibao) showcased its commitment to sustainable development by setting up an exhibition at the conference for the second consecutive year [1] Group 1: China Pacific Insurance's Initiatives - In 2024, China Taibao will provide green insurance coverage amounting to 147 trillion yuan, introducing over 30 innovative green insurance products, including an EU carbon emission cost index insurance for the shipping industry [3] - The company has insured over 5.3 million new energy vehicles and has health insurance policies covering 4.6 billion people across 240 cities, with "Shanghai Health Insurance" covering over 33 million people in five years [3] - China Taibao has invested over 260 billion yuan in green initiatives and is actively involved in environmental protection projects, such as safeguarding wild elephants in Yunnan and protecting the "Chinese Water Tower" in the Sanjiangyuan region [3] Group 2: Commitment to ESG Principles - The company aims to enhance its ESG (Environmental, Social, and Governance) top-level design and actively implement ESG principles in its operations [3] - China Taibao seeks to leverage its professional advantages in both liability and asset management to contribute to environmental protection and improve the well-being of the community [3] - The overarching goal is to create a harmonious coexistence between humans and nature through its insurance and financial services [3]

Core Viewpoint - Shanghai Financial Regulatory Bureau has developed a special work plan to promote the high-quality development of inclusive finance, showcasing a comprehensive and multi-layered approach that addresses both service coverage and risk prevention [1][2]. Group 1: Policy Framework - The policy toolbox of Shanghai Financial Regulatory Bureau focuses on three core objectives: building an inclusive financial service system, enhancing service quality, and strengthening risk prevention capabilities [2]. - The plan emphasizes the construction of a competitive landscape for inclusive credit, requiring financial institutions to maintain effective credit supply for small and micro enterprises to alleviate financing difficulties [2]. - The initiative includes upgrading local inclusive insurance projects like "Huibao" and "Hujia Bao" to expand coverage for more livelihood scenarios [2]. Group 2: Digital Transformation - Digital transformation is a key focus of the plan, promoting development through assessment and transformation via digital means [2]. - The Shanghai financing credit service platform will be optimized to integrate multiple data sources to address the information asymmetry between banks and enterprises [2]. - The "insurance code" platform will be upgraded to provide convenient inclusive insurance services to citizens without leaving their homes [2]. Group 3: Impact on Individuals and Businesses - New citizens, like Mr. Zhang, benefit from inclusive finance policies, receiving significant interest savings on loans for home renovations, demonstrating the quick conversion of policy benefits into tangible financial support [3]. - As of now, a financial institution has issued over 500 million yuan in consumer loans to new citizens, helping them establish roots in the city [3]. - Small and micro enterprises, such as a commodity trading company, have successfully accessed loans through rapid approval processes, significantly improving their operational cash flow and enabling them to secure profitable orders [4][5].

Core Viewpoint - Shanghai's financial regulatory authority has developed a special work plan to promote high-quality development of inclusive finance, emphasizing a comprehensive, multi-layered approach that addresses both service coverage and risk prevention [1][2]. Group 1: Policy Framework - The Shanghai financial regulatory authority's policy toolbox focuses on three core goals: building an inclusive financial service system, enhancing service quality, and strengthening risk prevention capabilities [2]. - The plan aims to address the "financing difficulties" faced by small and micro enterprises by ensuring effective credit supply and enhancing local inclusive insurance projects [2]. - Digital transformation is a key focus, with initiatives to optimize financing credit service platforms and upgrade insurance service accessibility for citizens [2]. Group 2: Impact on Consumers - New citizens in Shanghai, like Mr. Zhang, benefit from tailored financial products that help them manage costs, such as saving over 2,000 yuan in interest for home renovations [3]. - As of now, a financial institution has issued over 500 million yuan in consumer loans to new citizens, helping them establish their lives in the city [3]. Group 3: Support for Small and Micro Enterprises - Small and micro enterprises play a crucial role in the economic development of Shanghai, with companies like Mr. Qiu's successfully securing loans to fulfill large orders [4]. - The rapid loan approval process, facilitated by the new policies, has significantly reduced the time from application to funding, allowing businesses to capitalize on market opportunities [5]. - Since the implementation of these policies, nearly 150,000 clients have received financial support, indicating a positive trend for small and micro enterprises in Shanghai [5].

Core Insights - The article highlights the rapid development of a multi-tiered insurance system in China, which includes basic medical insurance, "Hui Min Bao," and commercial health insurance, aimed at meeting diverse healthcare needs of the population [1][6] Group 1: Insurance Coverage and Participation - Over 1.3 billion people are covered by basic medical insurance in China, and "Hui Min Bao" has reached approximately 30 provincial-level administrative regions [1] - By 2025, "Hui Min Bao" participation is expected to exceed 6.45 million in Shanghai, with similar growth in other cities like Shenzhen and Beijing, where participation is projected to surpass 6.15 million and 4.34 million respectively [3] - As of March 2025, "Hui Min Bao" has accumulated compensation payments exceeding 2.2 billion yuan, while "Shenzhen Hui Min Bao" has compensated nearly 230,000 individuals [3] Group 2: Growth in Commercial Health Insurance - The health insurance sector achieved approximately 97.74 billion yuan in premium income in 2024, reflecting a year-on-year growth of about 8.2% [4] - Medical insurance has overtaken critical illness insurance in market share for the first time, indicating its role in supplementing basic medical insurance and covering high-value innovative drugs [4] - Pacific Health Insurance has served over 2 million customers since launching "Blue Medical Insurance" in 2022, with compensation amounts reaching 3.77 billion yuan in the first half of 2025, a 16% increase [4] Group 3: Challenges and Recommendations - Despite the progress, challenges such as insufficient coverage, data silos, and low penetration of commercial insurance remain [6] - Experts suggest breaking down data barriers and establishing secure sharing mechanisms to enhance product pricing and reduce costs [7] - Recommendations include integrating commercial health insurance with basic medical insurance for efficient claims processing and expanding coverage to include various demographics and innovative treatments [7]

Core Viewpoint - The article emphasizes the importance of financial services in enhancing people's lives and ensuring financial security, particularly in the context of China's push towards common prosperity. It highlights China Ping An's commitment to "finance for the people" through comprehensive protection systems and innovative service practices [1][13]. Group 1: Financial Services and Consumer Protection - China Ping An has established a comprehensive consumer protection system that integrates consumer rights into product design, ensuring clarity and fairness in financial products [11][12]. - The company actively engages in financial education and outreach, conducting over 30,000 activities in 2024, reaching more than 1.5 billion consumers [11][12]. - Ping An's customer service has been enhanced with a dual-mode approach, combining AI and human support, particularly focusing on elderly clients to bridge the digital divide [11][12]. Group 2: Emergency Response and Social Responsibility - In response to natural disasters, China Ping An has implemented an emergency response mechanism, providing timely assistance and support to affected communities [2][3]. - The company has demonstrated its commitment to social responsibility by mobilizing resources for disaster relief, including rapid claims processing and on-site support during emergencies [2][3]. Group 3: Health Management and Global Services - China Ping An has launched the "Ping An 24" global rescue service, providing comprehensive cross-border support for clients facing emergencies abroad [5][6]. - The company is also focused on health management, aligning with national health initiatives to offer integrated medical and insurance services, enhancing preventive care and early diagnosis [6][7]. Group 4: Inclusive Finance and Community Support - Ping An's strategy includes promoting inclusive finance, targeting small and micro enterprises, the elderly, and rural communities to bridge financial service gaps [8][9]. - The company has initiated various financial products and services tailored to meet the needs of different demographics, including health insurance for new residents and long-term care insurance for the elderly [9][10]. Group 5: Commitment to Innovation and Future Goals - China Ping An is committed to redefining financial services through technology and innovation, aiming to make financial services more accessible and user-friendly [13][14]. - The company plans to continue enhancing its service model to ensure that financial services are simple, transparent, and efficient, ultimately supporting individuals in achieving a better quality of life [13][14].