沪惠保、沪家保、沪业保、沪骑保……上海推出一系列"沪字号"普惠保险项目。 沪惠保、沪家保、沪业保、沪骑保……近几年，上海保险业推出的一系列上海特色普惠保险项目，构建 起了普惠金融的民生保障新矩阵，也让上海走向全国普惠保险"高地"。 这些普惠保险的发展情况如何？在近日由上海市保险同业公会、上海市保险学会举办的"创新推动普惠 金融扩面提质 上海保险业积极服务民生保障"新闻通气会（下称"通气会"）上，相关负责人总结了上海 地区的普惠保险工作成效，并公布了下一步相关计划。 "在政策的有力推动下，上海保险业积极响应，在普惠保险领域进行了大量创新与实践，普惠保险服务 供给不断深化，产品类型不断丰富，社会覆盖面逐步扩大，普惠保险整体呈现稳步发展势头。"上海金 融监管局普惠金融处处长刘剑仁在通气会上表示。 普惠型人身保险覆盖全面 "沪"系列上海特色普惠保险项目中，上海城市定制型商业健康保险"沪惠保"是启动时间最长的一个，其 成功运营经验也为后续上海的普惠保险产品打下了基础。 通气会数据显示，今年是"沪惠保"运行第五年，累计已为近2700万人次提供医疗保障。在2025版"沪惠 保"4月22日正式开启投保窗口的首日，销量突破40 ...

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]

Core Insights - The Shanghai insurance industry is focusing on inclusive insurance as a key component of inclusive finance, aiming to enhance social welfare and economic balance while improving public life security [1][2] Group 1: Inclusive Insurance Development - The "Huhui Bao" program has provided medical coverage for nearly 27 million people, with total claims reaching 2.2 billion yuan, benefiting over 250,000 individuals [1] - The 2025 version of "Huhui Bao" launched on April 22, achieving over 4 million policies sold on the first day, with a participation rate exceeding 20% [1] - New products like "Huhui Bao - Specific Disease Insurance" have been introduced to meet diverse public insurance needs [1] Group 2: Targeted Insurance Products - The Shanghai insurance sector has launched innovative products such as "Huer Bao" for children's outpatient and inpatient coverage, "Hubu Bao" for advanced medical treatments, and "Huli Bao" focusing on nursing services [2] - The "Yinfawuyou" project, designed for the elderly, has maintained a premium of 20 yuan since 2006 while expanding coverage from 2 to 13 items, reaching 13.6 million elderly individuals [2] Group 3: Personal Pension Services - The industry is expanding personal pension services, with over 15 billion yuan in contributions and 8.76 million insurance products purchased, generating over 1.4 billion yuan in premium income [3] - The focus is on creating a holistic "insurance + service + ecosystem" model to enhance the quality of life for citizens [3] Group 4: Property Insurance Innovations - The "Hujia Bao" family comprehensive insurance product was launched in 2023, tailored for urban residents, with a 2.0 version set to enhance services and coverage [3] - The "Huyebao" product, aimed at small and micro enterprises, offers specialized insurance solutions for sectors like education, sports, and culture [4]