Since November 2013, when the Decision of the Central Committee of the Communist Party of China on Several Major Issues Concerning Comprehensively Deepening Reform officially proposed the development of inclusive finance, inclusive finance in mainland China has gone through ten years of progress.
The mountains are high and the rivers are long. In the past ten years, as a state-owned financial and insurance enterprise rooted in the Shenzhen Special Economic Zone, Chinese Life Insurance Co., Ltd. (hereinafter referred to as "Chinese Life Insurance") Shenzhen Branch has always kept in mind the original mission of "serving the overall development of the country and protecting the people's better life", fully practiced the concept of "finance for the people", gave full play to its professional advantages in insurance protection and risk management functions, and demonstrated the responsibility of the "head goose" of the industry in the journey of making the results of financial development benefit thousands of enterprises.
Strengthen the original mission and escort the development of the real economy
The real economy is the cornerstone of economic and social development, and increasing the protection of private enterprises and small, medium and micro enterprises is an important embodiment of the function of the insurance industry as an economic shock absorber and social stabilizer.
In order to accurately help the development of the real economy and escort real enterprises, Chinese Life Insurance Shenzhen Branch makes full use of market big data to segment the SME industry, and launches an exclusive group order product portfolio that matches the risk protection needs of different industries, and is committed to tailoring "differentiated, professional and refined" group insurance services for corporate customers.
According to Zhou Wei, general manager of the group business department of Chinese Life Insurance Shenzhen Branch, since 2021, the company has begun to focus on promoting the project of "small and medium-sized group single market development and supporting service support system", and has successively developed and launched eight exclusive group single product portfolios, collectively known as "group single eight major insurance".
"We have launched industrial insurance and transportation insurance for traditional manufacturing and transportation industries, actively responded to the call of the state, launched specialized, special and new insurance and science and technology insurance for strategic emerging industries, and paid attention to the flexible employment groups of new citizens and launched a very short-term unexpected product portfolio," Zhou Wei said, these product portfolios are highly targeted, wide range of protection, and cost-effective, which can accurately meet the security needs of enterprises in different industries such as specialized, special and new, new energy, medicine, and private small and micro enterprises. By the end of 2023, the number of small and medium-sized enterprises covered by the "Group Single Eight Guarantees" exceeded 10,000, and the insured population exceeded 320,000. Among them, there are more than 6,000 specialized and special new enterprises, high-tech enterprises and strategic emerging enterprises.
At the same time, in order to vigorously improve the response speed of small and medium-sized group order quotations, Chinese Life Insurance Shenzhen Branch comprehensively sorted out and optimized the group order sales process, supporting and improving the sales support tools for small and medium-sized group orders, and further simplified the quotation approval process by giving salespeople certain independent quotation permissions, so that salespeople can respond to customer quotation needs in a timely and rapid manner.
Focusing on customer pain points and difficult problems and providing solid backing for enterprises to cope with operational risks, this is a strong proof that Chinese Life Insurance Shenzhen Branch firmly adheres to its original mission, insists on serving the main force of the real economy and maintaining the ballast stone of financial stability, and accurately irrigates small and medium-sized micro enterprises with financial living water.
Bravely assume corporate responsibility and help the construction of people's livelihood security
"Safeguarding the people's livelihood" has always been one of the major issues that the party and the government are most concerned about. Chinese Life Insurance Shenzhen Branch has always been mindful of the "great of the country", taking the protection of people's health and improving people's livelihood and well-being as its unshirkable responsibility and mission, and strives to implement the needs of the country and the expectations of the people by giving full play to the advantages of the main business of life insurance. In recent years, in many Huimin insurance projects in Shenzhen, the Shenzhen branch of Chinese Life Insurance can often be seen.
In 2020, the Shenzhen Municipal Government launched the "Shenzhen Exclusive Medical Insurance" project, which opened an era in which Shenzhen medical insurance participants can use the balance of their social security cards to purchase exclusive medical insurance. Chinese Life Insurance Shenzhen Branch not only participated in the whole process of the project from development to landing, but also was the first batch of commercial underwriters of the project, which has covered more than 140,000 people and covered nearly 357.6 billion yuan.
In 2023, Chinese Life Insurance Shenzhen Branch successfully won the bid for the "Shenzhen Huimin Insurance" project. As of the closure of the insurance channel in 2023, the number of insured people in the project has exceeded 6 million.
At the same time, Chinese Life Insurance Shenzhen Branch also actively participates in various policy-based insurance businesses in Shenzhen, and has successively launched insurance projects such as "Shenzhen One-Child Family Insurance", "Silver Age Health Insurance", "People's Police Insurance", "Village Official Insurance", "Renjun Insurance", "Peng Military Insurance" and "Insurance Sending Elite Soldiers" for family planning families, the elderly, retired soldiers and preferential care recipients, effectively improving the comprehensive protection level and risk resistance ability of specific groups.
Develop the third pillar and build a diversified pension system
"Providing for the elderly" involves thousands of households, is related to people's livelihood and well-being, is closely related to the lives of ordinary people, and is also related to the long-term peace and stability of the country.
For a long time, Chinese Life Insurance Shenzhen Branch has actively participated in the construction of the third pillar old-age security system, continued to explore the innovative integration of insurance business and old-age services, and continued to help the government build a multi-level and multi-pillar old-age system.
Solving the problem of high risk and lack of insurance for the elderly is the key to improving the ability of the elderly and their families to resist unexpected risks. Since 2016, Chinese Life Insurance Shenzhen Branch has actively cooperated with relevant departments of the Shenzhen Municipal Government to launch the "Silver Age Ankang" exclusive accident injury comprehensive insurance for the elderly over 60 years old (regardless of age and household registration) at low price and self-paid WeChat insurance for the elderly in the city. According to statistics, in the three years from 2021 to 2023 alone, "Silver Age Ankang" has provided 24 billion yuan of insurance protection for 77,000 elderly people in the city, truly reflecting the win-win situation of government guidance, enterprise profits, and social benefits.
Adhering to the spirit of reform and innovation in the Special Economic Zone, Chinese Life has also pioneered in the field of elderly care services in Shenzhen, through the construction of community-embedded elderly care centers, the combination of centralized care services and extended home-based home services, to build an inclusive community home-based elderly care model of "not leaving the community, not leaving home", which will help community residents solve the problem of nearby elderly care. At present, Chinese Life has built 4 inclusive elderly care projects in Futian, Yantian and Luohu, with a total of 230 beds, which not only provides Shenzhen citizens with high-quality elderly care services that ordinary families can afford, but also alleviates the social pressure caused by the lack of elderly care resources for the government.
Safeguarding a better life and providing financial services to the people
In order to deeply practice the political and people's nature of financial work, and continuously enhance the people's sense of trust and satisfaction with the financial industry, Chinese Life Insurance Shenzhen Branch takes "benefiting people's livelihood and warming people's hearts" as its purpose, and takes multiple measures to help build a harmonious and healthy financial consumption environment, and protect people's better life with heart and soul.
Taking technology empowerment as the key core of the company's service development, vigorously promoting the intelligent transformation of customer service, and continuously upgrading the customer experience are the landing actions of Chinese Life Insurance Shenzhen Branch to provide customers with "simple, high-quality, and warm" high-quality financial and insurance services.
The company not only accessed the life insurance mini program in the official WeChat public account, and launched 28 preservation services such as policy reinstatement, renewal payment account change, policy borrowing, and policy repayment on the "Chinese Life Insurance" APP, realizing more convenient customer self-service inquiries and online business handling, but also opened the "air customer service" project, allowing customers to "face to face" with tellers without leaving home and experience a convenient and fast business handling mode.
In the back-end service process invisible to customers, such as underwriting and claims settlement, Chinese Life Insurance Shenzhen Branch also makes full use of digital technology to achieve quality and efficiency improvement. Various "e-core" tools, represented by "large order pre-verification", "underwriting trial calculation" and "nuclear health", can provide customers with online intelligent underwriting service support such as pre-insurance plan design and pre-underwriting of health abnormalities. A number of online claim services such as "direct claim payment", "fast E claim", "Pengxin compensation" and "help accompaniment" can bring customers a fast and warm claim service experience. In 2023, Chinese Life Insurance Shenzhen Branch will provide claims services for 103,600 people, with a compensation amount of 1.477 billion yuan and a probability of 99.92%.
At the same time, Chinese Life Insurance Shenzhen Branch actively contributed to the "Shenzhen Residents' Financial Literacy Improvement Project". In order to make the popularization of financial knowledge more integrated into people's lives, so that citizens can often hear, learn and use, the company has carried out "finance + public welfare" publicity in multiple scenarios such as communities, rural areas, business districts, schools, and enterprises, and set up a financial volunteer service team to give full play to the benchmarking role of "grid members" in financial knowledge publicity, and popularize financial knowledge face-to-face to key consumer groups such as "one old and one young" and new citizens. According to statistics, in the 2024 "3·15" financial consumer rights protection education and publicity activities, Chinese Life Insurance Shenzhen Branch organized 12 online activities and 32 offline financial knowledge education and publicity activities, striving to let financial knowledge "travel thousands of miles and enter thousands of doors".
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