Inclusive insurance must be both “universal” and “beneficial”. While continuously expanding the coverage of insurance, insurance services must truly reach and benefit the people. To this end, under the guidance of the Chongqing Supervision Bureau of the State Administration of Financial Supervision and Administration, the Chongqing Branch of China Life Insurance Co., Ltd. (hereinafter referred to as “China Life Insurance”) focused on the pain points and difficult issues in the field of people’s livelihood and medical security, and diversified a series of Inclusive, basic and comprehensive inclusive insurance projects and services allow the risk compensation function of insurance to benefit more people and protect and improve people’s livelihood during development.
A few days ago, China Life Insurance Company held a research, publicity and implementation of the spirit of the 20th National Congress of the Communist Party of China – Inclusive Finance to Protect People’s Better Life in Chongqing, as well as a research interview and press release event on the life insurance company’s “Media Watch China Life 20 Years After Listing”. The media interview team also visited Bishan District, Dazu District and Tongliang District of Chongqing to conduct research and interviews focusing on the vivid practice of China Life Insurance Company in joining hands with local governments to promote inclusive insurance and benefit the people there.
Improve the risk protection level of critical illness insurance
On the one hand, critical illness insurance is a project that the government actively promotes to benefit the people. On the other hand, it is also a focus area where the insurance industry serves people’s livelihood.
Since Chongqing launched critical illness insurance for urban and rural residents in 2013, China Life Insurance Chongqing Branch has actively assumed the main responsibilities and provided “one-stop” settlement critical illness insurance services for urban and rural residents in Chongqing. In 2015, we participated in the undertaking of large-amount medical insurance business for urban employees. As of the end of August 2023, a total of 71.1508 million people have been insured, and compensation of 2.086 billion yuan has been paid to 608,900 people, which has greatly reduced the medical expense pressure of the insured people, and the sense of gain and happiness of the insured people has continued to increase.
The city’s customized commercial medical insurance business is an innovative measure implemented by local governments to implement the central government’s decisions. By introducing commercial insurance companies, it uses market-oriented means to improve the multi-level medical security system and reduce the medical cost burden of the people. Under the guidance of the Chongqing Municipal Medical Security Bureau and the Chongqing Supervision Bureau of the State Financial Supervision and Administration Bureau, China Life Insurance Chongqing Branch, as a member of the co-insurance body, promoted the upgrading and expansion of urban customized insurance, underwriting 733,800 people under the “Chongqing Express Insurance”, and promoted The city customizes the “one-stop settlement” service for commercial medical insurance to solve the problem of “claim settlement and fund advance” for insured people, making it more convenient for citizens to see a doctor and improving citizens’ sense of gain and happiness.
Expand protection for specific risk groups
In Jijia Town and Youting Town, Dazu District, Chongqing, you can often see Li Ping, the political and insurance service specialist of China Life Dazu Branch Company. She patiently answers policy-related insurance-related questions for the people in the town and helps everyone handle claims. Related Matters.
“If an elderly person falls and their children are not around, we immediately come to provide claims services. There are also people who are sick and hospitalized. Their families travel between the hospital and home. They are not familiar with claims reporting, so we actively come to collect information and help them complete it online. Claim application.” Li Ping said.
One of the “women’s health” insurance policies gave Ms. Zheng, who lives in Jijia Town, and her family, who is suffering from breast cancer, the confidence to fight the disease to the end. In June this year, Ms. Zheng was diagnosed with stage three breast cancer by the hospital. The first-stage treatment fee of more than 90,000 yuan was a huge sum for this low-income family. Fortunately, the compensation from this 100 yuan premium policy relieved Ms. Zheng’s family from the 50,000 yuan burden of treatment expenses.
“Every year, we will carry out publicity on cancer prevention and treatment and promote free screening for both cancers.” said the director of Dongfeng Community Residents Committee, Jijia Town, Dazu District, and every year, “Women’s Health” helps many cancer patients receive the treatment at the first time. Treatment greatly reduces the financial burden and prevents patients from becoming poor or returning to poverty due to illness.
The “Women’s Health” project is an epitome of China Life Insurance Chongqing Branch’s ten years of serving people’s health. In order to actively serve the construction of “Healthy China”, respond to the government’s call to promote comprehensive health, and assist in the construction of Chongqing’s multi-level medical security system, China Life Insurance Company has developed a variety of inclusive insurance products and services, focusing on increasing coverage for the elderly, women, The protection of specific risk groups such as children and new citizens has covered more than 502,500 people, forming a “three-in-one” pattern of expansion, line extension, and fixed points to expand the radiation of people’s livelihood protection.
Help small and medium-sized enterprises develop steadily and healthily
Optimizing the supply of inclusive financial and insurance services has always been an important focus of China Life Insurance Company in assisting the development of small, medium and micro enterprises.
In terms of insurance service innovation, China Life Insurance Chongqing Branch has made different attempts in various districts across the city.
Taking Dazu District, which is located at the heart of the mutual development strategies of Chengdu and Chongqing and the bridgehead of Chongqing’s main urban area, as an example, establishing and improving the transportation system safety guarantee system is an important part of helping Dazu promote transportation interconnection and promote “double circle” cooperation.
In order to better help improve the construction of a multi-level insurance protection system for the district’s transportation system and establish a risk protection mechanism to effectively implement the safety and security issues of transportation system management, with the support of the District Transportation Bureau, China Life Insurance Dazu District Branch has provided insurance for highways in the district Engineering, transportation companies, freight companies, auto repair companies, driving school students and traffic law enforcement and highway maintenance personnel provide comprehensive financial insurance protection of more than 30 billion yuan every year.
Disaster prevention and loss reduction is also an important function of insurance. Through professional risk prevention and control technology and rich insurance experience, we actively participate in the risk management of the transportation system, thereby effectively reducing the probability of risk occurrence, reducing the level of risk loss, and striving to do preventive work to maximize the elimination of risk. Accident hazards.
China Life Insurance Company is also actively exploring ways to meet the diversified and personalized risk protection needs of small and medium-sized enterprises.
Positioned as a collaborative development demonstration zone for advanced manufacturing in the Chengdu-Chongqing economic circle, Dazu District in Chongqing has also attracted many small and medium-sized enterprises.
In order to reduce the economic pressure caused by enterprise production safety accidents and establish and improve the risk protection system for enterprises and employees, China Life Insurance Dazu Branch provides customized insurance services for corporate legal persons and small, medium and micro enterprises, covering more than 500 small, medium and micro enterprises in the region. It has more than 11,000 insured persons and provides insurance coverage of 2 billion yuan every year. Among them, 180 companies serve the Chengdu-Chongqing Economic Circle and the Belt and Road Initiative, accounting for about 35%.
Promote the upgrading of new citizens’ needs
“I have been in Dazu, Chongqing for ten years, and I am engaged in curtain business. Last year, I took the old man here and bought myself and my family a China Life insurance policy.” Mr. Hu said that in his early 20s, he moved from his hometown of Yanggao County, Shanxi Province. When I came to work in Dazu, Chongqing, I had a lot of uncertainties and I had not considered insurance protection. Now that I have taken root in Chongqing, I purchased China Life’s “Anxin Insurance”, a commercial insurance exclusive to new citizens, considering my own and the needs of the elderly people who moved with me in the future, such as medical treatment.
Chongqing is a populous city with a large and high proportion of migrant workers. In recent years, with the adjustment of the industrial structure, especially since the launch of the Chengdu-Chongqing twin-city economic circle, there has been an obvious trend of manufacturing workers, entrepreneurs, imported professionals, and newcomers who graduated from colleges and universities entering Chongqing. They have not only become The important increase in new citizens has also put forward higher requirements for financial services and insurance protection.
How to meet the financial and insurance needs of new citizens as they “take root” and “grow” in Chongqing? China Life Insurance Chongqing Branch conducted multiple rounds of surveys focusing on different types of new citizen groups and scenarios and found that new citizens are characterized by high mobility, many life risks, and a general lack of insurance awareness. Risk protection demands mainly focus on basic medical care, Major diseases and travel safety. In April this year, focusing on these core risk protection demands, China Life Insurance Chongqing Branch packaged the protection liability design into a package of insurance plans, and promoted exclusive insurance products such as “Anxin Bao” and “Anshun Bao” to effectively meet the differentiated service needs of new citizens. .
At the same time, China Life Insurance Chongqing Branch this year fully participated in the pilot work on occupational injury protection for employees in new employment forms in eight districts and counties, including Yubei and Liangjiang in Chongqing. In the first half of the year, 104 occupational injury cases were accepted, and efforts were made to explore the provision of occupational injury insurance for riders, online ride-hailing drivers and other personnel in food delivery, intra-city freight, travel and other industries.
Guaranteeing the educational needs of needy students
Where the flower of love blooms, life can flourish.
It’s the beginning of school again. In August, when Yang Xue (pseudonym) from Hufeng Town, Tongliang District, learned that she had received a 5,000-yuan study subsidy from Huimin Jibao, she began to prepare her luggage for Sichuan International Studies University.
“This is the second time I have received a subsidy for further study. Four years ago, it was the good policy of benefiting the people and supporting the poor that helped me successfully embark on the path of undergraduate study. Now, I have been admitted to graduate school and I have received help again. I am very grateful for this It’s a good policy.” Yang Xue said.
Because her parents are visually impaired and her family has no source of income, Yang Xue usually does some part-time jobs to cover expenses during her studies. During her undergraduate studies, she won various scholarships every year through her own efforts.
In order to prevent a needy new student from being unable to enroll in school due to financial difficulties, China Life Insurance Tongliang District Branch actively contacted the Social Assistance Section of the District Civil Affairs Bureau and the Minimum Living Security Center, and through data screening, proactively notified eligible insured persons to come and apply.
“We will verify the identity of the insured person, and review the original notification letter and admission track. Students do not need to submit additional information. After the review is completed, the applicant will be notified of the progress through text messages.” said a staff member of China Life Insurance Tongliang District Branch.
In 2017, the Chongqing Civil Affairs Bureau launched the “Civil Affairs Benefiting the People, Relief for the Poor” project. This is a policy-based commercial insurance project launched for key civil affairs assistance recipients and some preferential treatment recipients. China Life Insurance Chongqing Branch implements the “Civil Affairs Benefiting the People and Relief for the Poor” project in seven districts and counties of Dadukou, Qijiang, Qianjiang, Zhongxian, Wansheng, Tongliang and Fuling. Through the government purchasing services, individuals are free of charge Enjoy insurance protection. The specific insured objects are the subsistence allowance recipients, extremely poor people, orphans, de facto unsupported children who were included in the civil affairs assistance system that year, and some of the city’s preferential care recipients who enjoy regular national pension subsidies (excluding disabled people’s policemen, disabled policemen, and disabled people). State agency staff) and other 5 categories of personnel. As of the first half of 2023, a total of 1.1345 million needy people in the city have been provided with insurance protection, with a total claim settlement amount of 98.973 million yuan.
The admission subsidy for the needy is a one-time subsidy given to insured persons in the year when they take the college entrance examination or postgraduate examination and are admitted to a full-time institution of higher learning. The subsidy standard is 2,000 yuan for junior college students, 3,000 yuan for undergraduate students, and 5,000 yuan for graduate students.
From 2017 to 2023, China Life Insurance Chongqing Branch has helped 3,454 students in the city and distributed a total of 8.827 million yuan in scholarships for further studies. Among them, the Tongliang District Branch of Life Insurance has distributed a total of 908,000 yuan in scholarships to 355 students in the district.
“Serving the overall development of the country and protecting the people’s better life” is the corporate mission that China Life Insurance Company has always adhered to. In the future, China Life Insurance Company will continue to focus on protecting and improving people’s livelihood, allowing the people to obtain insurance protection in a more timely and effective manner, and making the people’s sense of gain, happiness, and security more substantial, more secure, and more sustainable.