Core Insights - The company has been actively responding to national strategies aimed at boosting consumption and improving people's livelihoods through various initiatives, including insurance protection, educational support, and industrial revitalization [1] Insurance Protection - The company has tailored multi-level supplementary medical insurance projects to address healthcare gaps in rural areas, providing coverage of 100,000 yuan per person for over 6,200 residents in Inner Mongolia since 2019, with total claims amounting to 1.9812 million yuan [2] - In Yunnan, the company has expanded its support by donating supplementary medical insurance to 1,391 individuals across two villages, resulting in 308 claims totaling 466,400 yuan, and has recently extended coverage to 1,611 individuals in another town with 60 claims amounting to 276,200 yuan [2] - The company plans to further expand its insurance coverage in 2024, providing supplementary medical insurance to 416 individuals in another village, with 62 claims totaling 45,000 yuan to date [2] Educational Support - The company has been deeply involved in educational assistance through the "Sunshine Star Love Plan," which has benefited thousands of rural students by improving school infrastructure and teaching conditions since its launch in 2008, resulting in the establishment of 48 schools across various provinces [3] Industrial Revitalization - The company has initiated projects to stimulate rural development through industry cultivation, technical support, and consumption assistance, including a snow chrysanthemum industry support project in Inner Mongolia that has led to the procurement of products worth 1.1915 million yuan [4] - In Yunnan, the company has combined technical training with consumption support for beekeeping, resulting in a total of 62,000 yuan in consumption assistance benefiting 1,025 individuals in the village [4] Infrastructure and Community Development - The company has invested 967,900 yuan in infrastructure improvements in Inner Mongolia, enhancing public service levels, and has allocated 320,000 yuan for a solar water supply project in Yunnan to address water and irrigation issues [5] - The company promotes rural cultural development through initiatives like the "Most Beautiful Courtyard" competition, investing 20,000 yuan annually to enhance community well-being and satisfaction [5] Commitment to National Strategy - The company emphasizes its commitment to national strategies and the goal of common prosperity, continuing to explore innovative models that combine insurance with public welfare to enhance the sense of gain and happiness among the populace [5]

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]