证券代码：601601 证券简称：中国太保 公告编号：2025-046 重要提示 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 科技保险业务深化。上半年科技保险保费收入 52 亿元，同比增长 6.3%，服 务科技企业 7.5 万家，覆盖航空航天、生物医药、集成电路等领域，其中电子信 息、航空航天等高新领域保费快速增长。绿色金融能级持续提升。上半年绿色保 险保费收入同比增长 12.8%，落新能源车险服务车辆数超过 536 万；重点布局清 洁能源、绿色基建，启动气候因素纳入战略资产配置研究。做优普惠金融拓展。 优化政策性健康保险服务，大病、长护、惠民保等业务覆盖 240 城 4.6 亿人次， 赔付近 60 亿元，"沪惠保"业务稳步推进。为 1,110 万户次农户提供农业风险 保障 4,429 亿元，保障 2,700 余家次小微企业开展内外贸易，开发"沪骑保"等 普惠保险产品。服务上海"五个中心"建设，助力战新领域布局。发起设立目标 规模 300 亿元的战新产业并购基金，助力全市产业转型、强链补链与并购重组， 为先进制造业和新型基 ...

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]

普惠保险作为普惠金融的重要组成部分，在增进社会福祉、促进经济均衡发展、提升民生保障水平等方面发挥着日益重要的作用。5月6日，北京 商报记者注意到，近期各地监管部门相继发布普惠保险成绩单，对普惠保险提出新要求。普惠保险正在"席卷"各行各业，已经从最初的健康险领 域扩展至骑行、乡村公益等多个领域。 近期，福建也印发了《福建金融监管局辖区2025年推进普惠保险高质量发展行动方案》，福建金融监管局要求实行公司领导挂钩包片制，创新打 造"一司一品""一市（县）一品"精品工程。要求建立普惠保险跟踪回访与满意度测评机制，持续推进自身服务能力提升。 在上海地区，北京商报记者注意到，上海普惠型家用电动自行车综合保险产品——"沪骑保"已经正式上线。据介绍，上海保险业先后推出了覆盖 儿童门诊和住院责任的"沪儿保"、保障责任覆盖钇90微球治疗和人工耳蜗植入体等先进药械的"沪补保"、以护理服务为给付内容的"沪理保"等创 新普惠保险产品。 "普惠保险越来越受欢迎，这背后既有政府对普惠金融的大力推广，也有保险公司持续努力完善普惠保险产品和服务。"盘古智库高级研究员江瀚 向记者分析，各地政府和监管部门通过政策引导和支持，推动了普惠保险的发展 ...

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]