Focusing on high-quality, multi-level inclusive insurance protection, Sunshine Life is doing a great job in inclusive finance.

Focusing on high-quality, multi-level inclusive insurance protection, Sunshine Life is doing a great job in inclusive finance.


The Central Financial Work Conference held in 2023 pointed out that “five major articles” must be completed on technology finance, green finance, inclusive finance, pension finance, and digital finance. Inclusive finance, as one of them, reflects the people-centered value orientation of financial work.

Since the Third Plenary Session of the 18th CPC Central Committee in 2013 proposed “developing inclusive finance”, Sunshine Life has actively responded to national policy calls and regulatory requirements, diversified inclusive insurance projects and services around the people’s immediate needs, and focused on Inclusive insurance services in the field of medical insurance such as serious illness for urban and rural residents, large-amount insurance for urban employees, welfare insurance, long-term care insurance, etc. contribute insurance to improve the multi-level social security system, improve the overall security level of the people, help comprehensively promote rural revitalization, and achieve common prosperity. Professional strength.

Major illness insurance for residents and large-amount insurance for employees open up a way to benefit the people

In accordance with the working principles of “active participation, professional services, independent accounting, openness and transparency”, Sunshine Life has carefully deployed and actively promoted critical illness insurance work. Since 2013, it has provided medical insurance protection for urban and rural residents in some districts and counties in Xiangyang City, Hubei Province, urban and rural residents in Tianjin City, and urban employees and urban and rural residents in some districts and counties in Chongqing City for more than 10 consecutive years. As of the end of March 2024, the project has covered more than 99 million people, with a cumulative compensation of more than 9 million people, and a compensation amount of nearly 6 billion yuan. By undertaking critical illness insurance, Sunshine Life 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” effectively reduces the possibility of becoming poor or returning to poverty due to illness, and makes a positive contribution to improving the level of risk protection for the masses.

Urban customized medical insurance improves multi-level medical protection

Sunshine Life actively responds to the “one city, one policy” deployment arrangements in various regions, connects with city-specific commercial medical insurance, and adheres to the principle of compliance operation to actively and steadily promote business development. The business adopts an innovative model of medical insurance governance that integrates government and business and complements each other’s strengths, presenting the salient features of inclusive finance such as “low premiums, high security, regardless of age, occupation, and medical history.” As of the end of March 2024, it has undertaken projects in six provinces and cities, including Chongqing, Hainan, Changsha, Zhengzhou, Yichang, and Pu’er, covering more than 6 million people, with a cumulative compensation of nearly 30 million yuan, providing insured persons with wider coverage of medical expenses. Reimbursement effectively improves the multi-level medical security system.

Long-term care insurance creates a new protection field

Long-term care insurance is known as the “sixth insurance” of social security. It is mainly an institutional arrangement that focuses on providing nursing care and economic compensation for the insured when he or she loses his/her ability to perform daily activities or becomes ill in old age.

In recent years, as my country’s population ages, the demand for long-term care has become increasingly strong. With the purpose of “government-led, professional operation, and long-term operation”, Sunshine Life actively undertakes Chongqing’s long-term care insurance project, providing insurance for nearly 720,000 urban employees in Banan District, Fuling District, Dianjiang County, and Shizhu Tujia Autonomous County. Hold up the umbrella of hope. Since the project was launched in 2022, it has served a total of 40,000 disabled people and paid more than 45 million yuan in nursing fees and assessment fees. It has reduced the economic burden of disabled families, improved the quality of life of disabled people, promoted the development of the elderly care industry, and promoted the aging of the population. It has played an active role in the implementation of national strategies.

In the next step, Sunshine Life will adhere to the people-centered development philosophy, thoroughly implement the spirit of the Central Financial Work Conference, continue to improve and enrich the inclusive financial products and service system, continuously improve the quality and efficiency of inclusive financial services, and take multiple measures to do a good job “Five big articles” let financial “live water” flow into thousands of enterprises.


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