Gansu insurance industry thoroughly implements the financial service requirements of new citizens, actively plays the functions of insurance economic compensation, financial communication and risk management, continuously enriches product supply, optimizes basic insurance services, and helps smooth the circulation of the national economy, so that the city can truly become a place for new citizens to "populate their dreams and tolerate their bodies and minds", and builds a foundation for development in a higher level to meet people's yearning for a better life.
Inclusive benefits the public and protect a healthy life with all their hearts
In order to meet the multi-level and diversified health living needs of new citizens, Gansu's insurance industry has implemented precise policies and continued to make efforts to strengthen the supply of universal health services.
clarifies key tasks and continuously optimizes business policies. China Life Property Insurance Gansu Branch actively develops responsibilities, accidents, customized medical care, guarantee insurance and businesses that are suitable for the characteristics of new citizens, to the greatest extent possible for the life and employment of new citizens. In 2022, the coverage of "Jinchenghui Medical Insurance" business insurance increased by 12.5% year-on-year, adding solid protection to the life safety and physical health of more than 3 million insured people in Lanzhou. Taibao Life Insurance Gansu Branch has increased insurance liability that is not linked to household registration, and uses urban customized commercial medical insurance as a carrier to further meet the diversified needs and experiences of flexible employment groups through "products + services". The product scope covers urban and rural residents' serious illness insurance , urban customized commercial medical insurance (Huimin Insurance), and long-term care insurance. It has innovatively launched the inclusive version of the "Taibao Blueprint", providing appointments for critical illness experts, surgery for critical illness experts, critical illness experts wards, and 120 emergency subsidies, and caringly creates inclusive financial services that "everyone can enjoy, health and worry-free".
Continuously strengthen corporate cooperation and promote new citizens' health services. Xingfu Life Insurance Gansu Branch strengthens group business cooperation, and actively promotes the development of health insurance services for enterprises and groups that account for a large proportion of new citizens such as schools, construction companies, and housekeeping companies, and provides new citizens with more flexible, affordable and convenient group health insurance products, give full play to the supplementary role of commercial insurance, and solve the health service needs of new citizens. Xinhua Insurance Gansu Branch is committed to creating a unique protection product, establishing a full life cycle insurance protection system for new citizens, matching and payment methods with more flexible payment methods, more comprehensive protection scope, more diverse product portfolio, and higher cost-effectiveness insurance product portfolio, continuously upgrading insurance services and improving new citizens' risk protection.
exclusive customization strengthens supply and builds a brand
Gansu insurance industry strengthens insurance product and service innovation according to local conditions, expands financial supply with high quality, and continuously improves the level of financial services.
continues to enrich and optimize insurance products and actively serve the new citizens. China Property Insurance Gansu Branch specializes in customized "New Citizen" comprehensive insurance products for key areas such as occupation, housing, and health of new citizens, covering a variety of insurance types such as property insurance, accident insurance, and liability insurance, providing comprehensive insurance coverage for new citizens, their family members and family property. As of the end of September 2022, the company's "New Citizen" comprehensive insurance achieved a premium of 27,500 yuan, and 292 insured customers, providing a total of 345 million yuan in various risk protections. In addition, the company also provides more than 20 insurance products to groups in different industry categories, including travel, education, finance, life, elderly care, and occupation, providing a total of 176.1 billion yuan in risk protection for new citizens in the province. On the premise that risks are controllable, China Life Property Insurance Gansu Branch actively carried out the construction of enterprise property insurance, salary payment, performance guarantee insurance, and actively participated in local unified insurance projects such as student internship liability insurance, school (park) party liability insurance, and educational institution liability insurance. Actively provide insurance support to regions and industries that absorb more new citizens. By carrying out insurance businesses such as special employer liability insurance, accident insurance, etc., we will protect new citizens with more prominent occupational risks such as construction workers, coal miners, taxi and online ride-hailing drivers, and designated drivers.The Gansu Branch of Xingfu Life Insurance strives to focus on the "urgent, difficult and anxious" problems of new citizens, develop related products suitable for new citizens' pension, medical care, etc., provide targeted basic insurance protection, and fully promote the implementation and effectiveness of new citizens' financial services. Taibao Life Insurance Gansu Branch continues to enrich health management services, optimizes the supply chain, provides the "three specialties and one urgent" critical illness green pass service experience, unlocks more health services such as health consultation , video doctors, accompanying services, etc., to meet the needs of consumers' health management to the greatest extent. Innovatively launch disability and service integration products for the elderly, provide disability insurance for specific diseases and accidental disabilities, and reimburse specific equipment costs, effectively improving medical insurance for the elderly. Xinhua Insurance Gansu Branch has formed a diversified product supply mechanism such as multiple payments, single payments, and specific disease protection. It is further segmented according to specific populations and regional differences, and meets the protection needs of new citizens in all aspects. In order to support the elderly care of new citizens, the company actively participates in the research and development and promotion of "exclusive commercial elderly care insurance", continues to focus on the protection issues of elderly care, such as pension and medical care, and deeply participates in pension financial reform to ensure the public's multi-level and diversified financial insurance needs.
Improve quality and efficiency, stick to the original intention and look to the future
vigorously popularize financial insurance knowledge and help new citizens choose consumer finance products rationally. Taibao Life Insurance Gansu Branch has deepened cooperation with the government and third-party institutions, further improved its user portrait and analysis capabilities for new citizen customers, segmented customer groups, tapped the needs of new citizen customers, and optimized new citizen insurance financial services in all aspects. China Life Property Insurance Gansu Branch accurately focuses on the financial insurance needs of new citizens, innovates and improves the construction of the insurance product system for new citizens, continuously optimizes the operation service mechanism for new citizens, regularly carries out consumer education for new citizens, strengthens the popularization and publicity of financial knowledge, protects the legitimate rights and interests of new citizens, and provides professional and refined services to make insurance services more "warm". Based on the financial service responsibilities of new citizens, Xingfu Life Insurance Gansu Branch has alleviated the financial turnover pressure of new citizens to the greatest extent possible through extending the grace period for renewal insurance policy payment and repayment period for policy loans. With the help of digital and convenient service channels such as the "Happy E Home" APP, 95560 service hotline, and " Xingfu Life Online" WeChat service account, we will continuously improve customer service experience and satisfaction. Focusing on stabilizing employment, benefiting people's livelihood and promoting development, China Property Insurance Gansu Branch actively explores and develops more exclusive insurance products suitable for new citizens such as liability insurance, , accident insurance, commercial health insurance and commercial supplementary work-related injury insurance, and continuously improves the level of entrepreneurship and employment insurance protection for new citizens. In order to support employment for new citizens, Xinhua Insurance Gansu Branch has launched a "optimal plan" for recruitment for the education and training industries, real estate industries, Internet industries and fresh college students facing re-choice. It is currently gradually promoting it to 29 branches across the province. Up to now, a total of 1,674 jobs have been provided.
Compared with other groups, the "new citizens" group has their own specific risk protection needs and has weak resistance to risks of diseases and accidents. In particular, it is necessary to provide high-quality and low-cost insurance products to "guaranteed" their production and life. Gansu's insurance industry will effectively improve its political stance, implement regulatory requirements in depth, make full use of big data drive, clear up information bottlenecks, strengthen information sharing, promote the improvement of financial insurance service efficiency, and implement precise policies to address the "urgent, difficult, worried, and hope" problems of "new citizens" in insurance protection, effectively improve the level of insurance protection, enhance the sense of security, gain, happiness, identity and belonging of the "new citizens", and contribute insurance power to serving the stable economic development of Longyuan people's livelihood.
