A little insurance works a lot!China Life Deeply Cultivates Pratt & Whitney Insurance
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As a central financial enterprise, China Life has always adhered to the political and people-oriented nature of financial work, enhanced professionalism, adhered to customer-centricity, adhered to the origin of insurance, and was committed to meeting the diverse insurance needs of the people with professional and diversified products and services, and constantly accelerated product innovation. We will develop inclusive insurance projects and services in a diversified manner, and protect the people’s better life with heart and soul.
Build an inclusive insurance product system
The life insurance companies under the Group actively participate in inclusive insurance business, including critical illness medical insurance business for urban and rural residents, long-term care insurance business, urban customized commercial medical insurance business, development of tax-deferred endowment insurance, exclusive commercial endowment insurance, and premium or premium insurance. Relatively low amount of health insurance, accidental injury insurance, etc., to provide customers with rich and diverse inclusive insurance protection.As of December 31, 2022, the total number of critical illness insurance projects undertaken by urban and rural residentsMore than 200covering nearly350 millionUrban and rural residents; in 2022, urban and rural residents’ critical illness medical insurance compensationMore than 18 million passengers,indemnityOver 25 billion yuan.As of December 31, 2022, nearly60,coverMore than 27 million people; Cumulative landingMore than 100Urban customized medical insurance projects, in which50The project is a new project in 2022, and the cumulative number of people insuredover 22 million.
The property and casualty insurance company under the group is geared towards “agriculture, rural areas, farmers, small and medium-sized enterprises, urban and rural residents and other groups, accelerating the supply of inclusive financial services, continuing to promote rural revitalization, alleviating the “difficult and expensive financing” difficulties of small, medium and micro enterprises, and helping to achieve common prosperity. In 2022, through agricultural insurance forMore than 22 millionFarmers provide insurance protection nearly770 billion yuan; Provide wage payment risk protection for migrant workers exceeding130 billion yuanthe beneficiaries are close to2.8 million; Guarantee insurance support for loans to small and micro enterprises20,000Amount of financing for small and micro enterprises4.8 billion; Through the establishment of an inclusive critical illness insurance system and participating in the city’s customized inclusive supplementary medical insurance (that is, “Huimin Insurance”), it can effectively reduce the high medical burden of residents in the medical insurance catalog and outside the catalog, and solve the “disease-induced poverty” of the masses. , returning to poverty due to illness”.
Increase protection for specific risk groups
China Life has developed a variety of inclusive insurance products and services, focusing on increasing protection for specific risk groups such as the elderly, women, children and new citizens.
Student and Child Insurance
In response to the actual needs of students and children in life, education and medical care, complete2 modelsThe comprehensive accident insurance product was upgraded and developed4 modelsAccidental injury insurance products expand the protection content and scope of student medical insurance.As of December 31, 2022, China Life Student Insurance underwritesNearly 90 million peopleaccumulatively provided28.5 trillionInsured amount.
female insurance
Upgrade the product liability design and disease coverage of existing group female disease insurance products, and improve the flexibility of disease protection scope and insurance liability combination.As of December 31, 2022, for9.55 million passengersSpecific groups of women provide approx.1.26 trillion yuaninsurance coverage.
family planning and family insurance
Provide insurance guarantees for families, pregnant women, newborns and other groups that comply with the national family planning policy, and vigorously promote the sustainable and healthy development of the family planning family insurance business in the direction that the government can rest assured and the masses are satisfied.As of December 31, 2022, family planning and family insurance coverageMore than 30 million people,providedAbout 1.79 trillion yuanamount of protection.
old age insurance
Completed the upgrade of one health insurance product for the elderly, providing disease insurance coverage for the high incidence of malignant tumors in specific parts of the elderly population – severe and severe primary Parkinson’s disease and severe chronic renal failure.
Develop the “Zunyi Life” series of product portfolios, adopt the design model of main insurance pension annuity + additional nursing insurance combination, provide pension annuity, birthday bonus, specific disease care and accidental disability care, etc., to meet customers’ pension and nursing protection needs.
Completed the upgrade of two accident insurance products for the elderly, “China Life Sunset Red Specific Accidental Injury Insurance (Type A)” and “China Life Silver Age Ankang Comprehensive Accidental Injury Insurance (Type A)”, to comprehensively protect the elderly group.
As of December 31, 2022, the accident insurance business for the elderly underwritten by China Life Insurance coversAbout 54.95 million passengers,providedover 3 trillion yuanamount of protection.
New citizen insurance
In response to the increase in the number of migrants brought about by urbanization and the increase in demand for social security, a new citizen insurance was launched.
According to the risk characteristics of construction workers and engineering management personnel, the development of two types of construction accident insurance products including “China Life Construction Engineering Group Accident Insurance (Type C)” was completed.
For courier riders and online car-hailing drivers, complete the product development of “China Life New Business Group Accident Insurance”, provide basic accident insurance protection for such employees, and provide specific coverage for riding accidents, motor vehicle accidents, fractures and sudden death Insurance coverage. At the same time, develop 2 medical insurance products including “China Life’s New Business Form Group Accident Expenses Compensation Medical Insurance (Type A)” to provide targeted medical insurance protection.
For rural and urban migrant workers, the “China Life Migrant Group Comprehensive Accident Insurance” product was developed to provide insurance liabilities such as accidental death, accidental medical treatment, and hospitalization allowances.
Actively carried out the entrusted undertaking business of the pilot occupational injury protection for employed persons in new employment forms, and won the bids in Beijing, Jiangsu, Sichuan, and Guangdong4Provincial projects.
Next, China Life will thoroughly implement the spirit of the 20th National Congress of the Communist Party of China, practice the “people-centered” development idea, adhere to the goal of serving the social well-being of the people and serving social and economic development, and help improve the coverage of the whole people, balance urban and rural areas, and fairness. The construction of a unified, safe, standardized and sustainable multi-level social security system will enhance the people’s sense of gain, happiness and security with a more diversified product supply.
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