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 Insights - The insurance industry is increasingly integrated into the lives of farmers and herders in Tibet, providing essential support for risk management and livelihood rebuilding [2][3][11] Group 1: Insurance Services and Coverage - The government has been promoting policy-oriented and inclusive insurance to cover high-altitude areas, with insurance companies delivering services directly to farmers and herders [3][4] - In Linzhi, the first village-level insurance service point has been established, allowing villagers to handle insurance matters locally, making insurance more accessible [3] - The introduction of mutual medical insurance in Mêdog County has filled a gap in healthcare coverage, benefiting nearly 5,000 individuals with a total payout of 14.24 million yuan [4][5] Group 2: Impact on Livelihoods - Insurance is seen as a "protective shield" for livestock, with quick claims processing helping herders recover from losses due to natural disasters [6][7] - The insurance company has provided risk coverage of nearly 400 million yuan for a local breeding station, enhancing confidence in livestock breeding and innovation [7][8] - The company has achieved full coverage of agricultural insurance in the region, insuring 5.08 million yaks and 8.65 million sheep, with total risk coverage amounting to 30.9 billion yuan [8][9] Group 3: Disaster Response and Recovery - The insurance sector plays a crucial role in disaster risk management, providing timely compensation and support during recovery efforts after natural disasters [9][10] - Following a 6.8 magnitude earthquake, the insurance company quickly disbursed 1.68 billion yuan in claims, demonstrating its effectiveness in disaster response [10] - The establishment of a "catastrophe insurance + government subsidy + social co-insurance" mechanism is being explored to enhance future disaster risk management [10][11]