Demand-oriented, China Life Insurance solidly promotes the development of inclusive financial business

Demand-oriented, China Life Insurance solidly promotes the development of inclusive financial business


  The development of inclusive insurance is of great significance to improving the multi-level social security system, improving the overall security level of the people, helping to comprehensively promote rural revitalization and achieve common prosperity.

  In recent years, China Life Insurance Company Limited (hereinafter referred to as“China Life Insurance Company”) has always adhered to the “people-centered” development philosophy, focusing on the immediate needs of the people, and solidly carried out inclusive financial projects and services, so that the results of modern financial and insurance development can benefit more groups more equitably and satisfy the people The people’s yearning for a better life.

  persist inBased on the “demand-oriented” principle, China Life Insurance Company develops targeted protection products based on their risk characteristics for specific underwriting objects that have high social concern and lack commercial insurance protection. At present, the inclusive insurance products that have been developed include critical illness insurance, long-term care insurance, urban customized medical insurance, tax-preferred health insurance, tax-deferred pension insurance, exclusive commercial pension insurance, as well as health insurance, accident insurance, etc. Provide customers with rich and diverse inclusive insurance protection to meet the basic health protection needs of the broad masses of the people.

  In terms of commercial insurance, judging from the customer groups targeted by the products, a market targeting rural revitalization groups has been formed.The “Rural Revitalization” series of products provide comprehensive protection against accidental death, accidental disability, disease death, major illness and medical treatment; the “Sunset Red”, “Sunset Insurance” and “Silver Age Ankang” series of products for the elderly form a comprehensive coverage A product system with multiple liability guarantees; a “new business format” series of products for new business practitioners, providing liability for accidental death, accidental disability, accidental medical treatment, etc., and additional coverage for accidents caused by cycling, accidents caused by motor vehicles, Insurance coverage is provided for fractures and sudden death; in addition, there are multiple product systems such as the “Women’s Health” and “Care for Women” series of products for women, and the “Learning and Worry-Free” series of products for children.

  By developing a series of inclusive insurance projects, China Life Insurance Company strives to improve the protection level of farmers and low-income urban groups, and increase the protection of specific risk groups such as the elderly, women, children, disabled people, people with chronic diseases, special occupations and new citizens. Strengthen efforts to improve the risk resistance capabilities of small and micro enterprises, individual industrial and commercial households and new agricultural business entities.

  Develop critical illness insurance for urban and rural residents

  Solidly promote the construction of the health insurance business poverty alleviation system

  To solve the problem of the peopleTo solve the problem of “poverty due to illness and return to poverty due to illness”, in 2012, six national ministries and commissions issued the “Guiding Opinions on Carrying out Critical Illness Insurance for Urban and Rural Residents” to implement a critical illness insurance system. China Life Insurance Company took the lead and followed the working principles of “active participation, professional services, independent accounting, openness and transparency”, carefully deployed and actively promoted critical illness insurance work. It was one of the first insurance companies to participate in the national critical illness insurance system. After years of practice , becoming the main government service provider of critical illness insurance.

  China Life Insurance Company resolutely implements the decisions and arrangements of the Party Central Committee, the State Council, and the China Banking and Insurance Regulatory Commission on poverty alleviation, forges professional advantages, solidly promotes the construction of a health insurance business poverty alleviation system, and assists the government in building a poverty alleviation system.The multiple protection network of “basic + serious illness + supplement + assistance” has achieved remarkable results. As of the end of 2023, China Life Insurance Company has undertaken more than 200 critical illness insurance projects across the country, covering nearly 350 million urban and rural residents, and nearly 80% of the projects have responsibilities for poverty alleviation. By undertaking critical illness insurance, it effectively promotes the combination of government leadership and market mechanism, and improves the management level and operational efficiency of basic medical insurance. The security design of “basic medical insurance + critical illness insurance” has effectively alleviated the problems of poverty due to illness and return to poverty due to illness, and made a positive contribution to improving the level of risk protection for the masses.

  In 2012, Qinghai Province took the lead in launching critical illness insurance for urban and rural residents in the country. As one of the underwriting insurance companies, China Life Insurance Company provides critical illness insurance services to nearly 2.3 million urban and rural residents in Hainan, Huangnan, Goluo and Xining. Since 2017, we have gradually undertaken entrusted basic medical insurance services according to local medical insurance arrangements. In 2019, the integrated service of “basic medical insurance + critical illness insurance + medical assistance” was successfully implemented in three states and one city, improving the efficiency of reporting and making it convenient for insured people, making outstanding contributions to the province’s comprehensive poverty alleviation and laying a solid foundation for rural revitalization.

  Care for women’s health

  Vigorously develop inclusive insurance business for women

  Carry out female reproductive health insurance business, provide specific disease protection for women of appropriate age, and promote the development of women’s health insurance.

  Since 2010, China Life Insurance Company has actively participated in the “Care for Women’s Reproductive Health Insurance Plan”. The donation of special funds was used to fund the “Two Cancers” medical expenses project, which won praise from government units and all walks of life.

  Donate insurance to specific groups of women. Institutions at all levels of China Life Insurance Company support the development of local women by carrying out a variety of theme activities, strengthen support for women’s work, donate insurance to women in need, low-income women of working age, women’s federation cadres and other female groups, and enhance women’s awareness of health risk prevention and insurance protection levels, and promote the construction of an insurance protection system for women.

  Provide good service support and expand the radiation of people’s livelihood security. Institutions at all levels of China Life Insurance Company carry out various publicity, consultation, training, services and other activities to care for women’s health, continuously increasing the recognition, participation and support of the general public, and achieving good social effects.

  Strengthen technological empowerment

  Financial power boosts the development of small, medium and micro enterprises

  In order to solidly promote the insurance industry and support the development of small and micro enterprises, China Life Insurance Company has innovatively developedThe “e-Enterprise Investment” function makes full use of Internet technology to realize online authorization, online self-service payment, etc., allowing small, medium and micro enterprises to enjoy fast and convenient full-chain online insurance services, and achieve single-day insurability for small groups.

  In order to assist the development of small, medium and micro enterprises, China Life Insurance Company has launched customized products for small, medium and micro enterprise customers in the early stage.The “Member Welfare Insurance” accident insurance portfolio product has been actively launched to support the new model of online order issuance in the entire process to create a fast, complete and efficient group insurance experience. On the one hand, it simplifies the insurance operation and supports the automatic bringing of historical insurance information and OCR automatic identification and collection; on the other hand, it supports seamless switching between PC and mobile terminals, supports authorization applications on both ends, and batch imports of insured lists to meet the business needs of different scenarios. need.

  In the future, China Life Insurance Company will closely follow the national inclusive finance development policy, actively develop inclusive insurance products, build and optimize the inclusive insurance customer service system, provide insurance protection services to the people, and make the scope and coverage of protection wider. Let the inclusive product system be enriched, let more people enjoy convenient inclusive financial products and services, and use insurance protection to help high-quality economic and social development.


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