据《金融时报》记者梳理，防贫保险充分考虑到因病、因学、因灾、因意外等返贫致贫高发风险，将多重风 险纳入保障范围，全面提升农村相关群体抵御风险的能力。 以内蒙古自治区阿拉善左旗防贫保险政策为例，2025年，保费每人每年100元，脱贫享受政策人口和边缘易致 贫人口保费由政府承担；其他农牧户保费由政府承担60%、个人承担40%。防贫保险责任十分全面，包括医疗费 用补偿、意外伤害致残补偿、意外身故补偿、自然灾害损失补偿、教育保障补偿和收入理赔。比如，较少在保险 产品中看到的教育保障补偿，按照政策规定，因接受全日制大专/本科教育产生的学费、住宿费（不含高档公 寓）、教科书费，扣除补助后达起付线的，一次性补偿最多3000元。 阿拉善左旗防贫保险只是全国实践的一个缩影。在广西、云南、甘肃等地，类似模式正持续复制推广，保障 范围逐步扩大。通过政府引导与市场运作结合，防贫保险不仅提升了相关群体的抗风险能力，也推动了乡村振兴 与社会保障体系的深度融合。 今年6月，金融监管总局、中国人民银行印发的《银行业保险业普惠金融高质量发展实施方案》提出，推动保 险公司加大对农民健康保险、养老保险、意外伤害保险、人寿保险等人身保险产品供给。引 ...

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]