北京商报讯（记者 胡永新）1月6日，广东金融监管局发布《关于支持我省保险业高质量发展 助力广东 在中国式现代化建设中走在前列的指导意见》（以下简称《指导意见》）。《指导意见》提出，强化保 险服务民生事业。 《指导意见》提出，加快构建多层次医疗保障体系。平稳有序开展城市定制型商业医疗保险，鼓励发展 长期医疗保险，加快发展护理保险和失能收入损失保险。在风险可控、商业可持续的前提下，稳步探索 将医疗新技术、新药品、新器械纳入保险保障范围。鼓励面向老年人、慢病患者等群体提供健康保险产 品。支持通过提供医疗、康复、护理等服务的形式履行对被保险人的健康保障责任。丰富商业医疗保险 产品形式，推动就医费用快速结算。加强保险公司健康服务网络建设，支持与药械企业建立联动合作机 制，探索按照市场化原则自主协商谈判、按疗效付费等创新药械多元化支付方式，促进健康保险与医 疗、医药深度融合。 《指导意见》提出，提升重点人群的保险保障水平。持续做好防返贫救助保险，确保全省城镇及农村的 特困供养人群、低保人群能够接续实现100%参保覆盖，守住防止规模性返贫底线。鼓励保险机构积极 参与灵活就业人员、新就业形态人员职业伤害保障经办服务。丰富普惠 ...

Core Viewpoint - The insurance industry is positioned as a "social stabilizer" and "economic shock absorber" in the context of the 14th Five-Year Plan, with specific goals outlined in the 2025 Government Work Report, emphasizing the importance of various insurance sectors such as export credit insurance, basic medical insurance, third-pillar pension insurance, and long-term care insurance [1][14]. Group 1: Capital Market and Investment - The report emphasizes the need to "vigorously promote the entry of medium- and long-term funds into the market," which is expected to improve the supply and structure of capital market funds, fostering a virtuous cycle of capital preservation and appreciation, stable capital market operation, and high-quality development of the real economy [2][4]. - The Human Insurance Asset Management believes that the large scale, long cycle, and stable source of insurance funds can be leveraged for value investment, aiming for long-term stable returns [2]. - The report indicates that public funds are expected to increase their holdings of A-shares by at least 10% annually over the next three years, with state-owned insurance companies targeting 30% of new premiums for A-share investments starting in 2025 [2][3]. Group 2: Pension and Long-Term Care Insurance - The report calls for accelerating the development of the third-pillar pension insurance and the establishment of a long-term care insurance system, reflecting the urgent need for improved pension security amid increasing aging populations [6][7]. - Experts suggest that the insurance industry should innovate pension products suitable for the current low-interest-rate environment and ensure the preservation and appreciation of pension assets [7][8]. - Recommendations include establishing a national framework for long-term care insurance to ensure fairness and sustainability, as well as clarifying its functions and payment methods [8][9]. Group 3: Export Credit Insurance - The report highlights the need to expand the scale and coverage of export credit insurance, which is crucial for reducing risks in international trade and supporting the stability of foreign trade [11][12]. - Suggestions have been made to enhance the export credit insurance system in Hong Kong and Macau to better integrate these regions into the national economic framework [11]. Group 4: Financial Sector and Risk Management - The report mentions the importance of improving the financial sector's standards and systems, including technology finance, green finance, and inclusive finance, which are directly related to the insurance industry [13][15]. - The insurance sector is encouraged to play a significant role in risk reduction management and to support national strategic directions and industry development through its long-term capital advantages [13].