产业振兴赋能乡村发展 在产业振兴方面，阳光人寿通过特色产业培育、技术帮扶和消费支持等多维度举措，持续激发乡村发展 内生动力。2019年起，公司在内蒙古贲红镇开展雪菊产业帮扶项目，通过专家技术指导、建立销售渠道 等系统性支持，帮助当地农户掌握雪菊种植技术。截至目前，公司累计采购雪菊产品价值达119.15万 元，不仅解决了农户的销售难题，更带动形成了集种植、加工、销售于一体的完整产业链。同时，在云 南省禹功村，阳光人寿采取技术培训与消费帮扶相结合的模式，邀请蜂学专家实地指导蜜蜂养殖技术， 提升养殖户的专业技能，有效提升当地蜂蜜产业发展水平。在此基础上，公司通过定向采购蜂蜜、土 鸡、猪肉、核桃油、青稞面等特色农产品，累计实现消费帮扶6.2万元，惠及全村227户1025人，既帮助 农户增收，又促进了传统产业的可持续发展。 在内蒙古察右后旗贲红镇，自2019年起，公司连续为当地6200余位常驻户籍居民提供保额10万元/人的 疾病补充医疗保障。截至目前，累计完成165笔理赔，赔付金额达198.12万元。 在云南，阳光人寿持续深化帮扶举措，扩大帮扶覆盖面。自2020年起为楚雄州武定县猫街镇五拃甸村、 百子村建档立卡户及边缘 ...

Core Insights - The article highlights the importance of secondary reimbursement in China's medical insurance system, which is often overlooked by insured individuals, leading to significant financial losses [3][6]. Group 1: Current Status of Secondary Reimbursement - As of the first quarter of 2025, only 27.3% of eligible medical expenses were actually claimed for secondary reimbursement, indicating a lack of awareness among insured individuals [3]. - The secondary reimbursement system is part of a multi-tiered medical insurance framework, including major illness insurance, medical assistance, supplementary medical insurance, and employee personal accounts [4][5]. Group 2: Mechanisms of Secondary Reimbursement - Major illness insurance allows for reimbursement of 50% of medical expenses exceeding 50% of the local per capita disposable income, with no cap on the reimbursement amount [4]. - Medical assistance provided 873 billion yuan in funding in 2024, benefiting nearly 39.67 million people, with additional support for low-income households [4]. - Supplementary medical insurance has been established in 27 provinces, increasing reimbursement rates from 50% to an average of 70% for outpatient services [4]. Group 3: Challenges in Awareness and Application - A survey indicated that only 36% of insured individuals had a basic understanding of secondary reimbursement policies, and only 22% were aware of the specific application process [6]. - The complexity of the application process, requiring various documents and differing policies across regions, contributes to the low application rates [6]. Group 4: Efforts to Simplify Processes - The National Medical Insurance Administration has implemented a one-stop settlement reform, with 219 cities achieving this by June 2025, allowing for automatic calculation and settlement of various insurance claims [7]. Group 5: Maximizing Secondary Reimbursement Benefits - Insured individuals are encouraged to actively seek information about policies, retain all medical receipts, and inquire about eligibility for secondary reimbursement during hospital visits [9]. - Special provisions exist for certain demographics, such as higher reimbursement rates for individuals under 25 and additional benefits for seniors over 65 [9]. Group 6: Future Outlook and Policy Optimization - The 2025 work plan aims to increase the reimbursement rate for major illness insurance, lower the threshold for claims, and simplify application procedures, with a target of raising the application rate to over 50% [11]. - The total scale of the national medical insurance fund reached 3.2 trillion yuan in 2024, with 6.3% allocated for secondary reimbursement, indicating a focus on improving fund efficiency [11].

Group 1: Core Objectives and Strategies - The report emphasizes the importance of revitalizing Northeast China, particularly focusing on Liaoning's development efforts [1] - China Insurance aims to align with national and provincial policies, enhancing its service capabilities to meet diverse insurance needs across various sectors [2] - The company actively participates in infrastructure projects and provides comprehensive insurance services to major enterprises, with a total risk coverage of 400 billion yuan [2] Group 2: Environmental and Social Contributions - The company promotes environmental pollution liability insurance and has provided 2.188 million yuan in risk coverage for various industries [3] - China Insurance has invested 3 million yuan in projects for the harmless treatment of dead livestock, contributing to rural ecological construction [3] - The company has developed innovative insurance products to support rural revitalization and has signed cooperation agreements with local agricultural authorities [8] Group 3: Technological Advancements and Financial Support - The company implements a "Digital Agricultural Insurance" initiative, utilizing advanced technologies for precise underwriting and claims [9] - China Insurance has provided nearly 700 million yuan in insurance coverage for various health-related initiatives, benefiting over 970,000 people [13] - The company has facilitated loans totaling nearly 700 million yuan to farmers, addressing financing challenges in the agricultural sector [12] Group 4: Community and Disaster Response - China Insurance has provided nearly 6 billion yuan in risk coverage for food safety liability insurance across over 200 food-related enterprises [7] - The company has paid out over 2.4 billion yuan in claims since 2022 to assist individuals affected by natural disasters [13] - The company has launched initiatives to protect the rights of migrant workers, providing nearly 100 million yuan in risk coverage [14]