每經記者｜涂穎浩每經實(shi)習編輯 馬子(zi)卿    

《每(mei)日(ri)經濟新聞》記(ji)者從相關(guan)渠(qu)道(dao)獲悉，近日(ri)，銀保監會向(xiang)各保險機(ji)構印發《關(guan)于推進普惠保險高質量發展(zhan)的指導意(yi)見（征(zheng)(zheng)求意(yi)見稿）》（以下簡稱《征(zheng)(zheng)求意(yi)見稿》）。

《征求意見稿》提(ti)出，當前普惠保(bao)(bao)險(xian)(xian)的(de)(de)(de)發展重點是提(ti)升農民(min)和城鎮(zhen)低(di)收入群體的(de)(de)(de)保(bao)(bao)障水平，加大(da)老(lao)年人(ren)、婦女、兒(er)童(tong)、殘疾人(ren)、慢性病人(ren)群、特(te)殊(shu)職(zhi)業和新(xin)市民(min)等特(te)定(ding)風險(xian)(xian)群體的(de)(de)(de)保(bao)(bao)障力(li)度(du)，提(ti)升小微(wei)企(qi)業、個體工商戶和新(xin)型農業經營主(zhu)體的(de)(de)(de)抗風險(xian)(xian)能力(li)。

有業內(nei)人士在受訪時(shi)表示，普(pu)惠(hui)保(bao)(bao)(bao)險本來(lai)就是(shi)普(pu)惠(hui)金(jin)融(rong)的一部分，發展普(pu)惠(hui)保(bao)(bao)(bao)險對完善多層次社(she)會保(bao)(bao)(bao)障體系，提升人民群眾總體保(bao)(bao)(bao)障水平(ping)，助力(li)全面推進鄉村振興(xing)、實現共同富(fu)裕具有重(zhong)(zhong)要意(yi)義(yi)。今年5月(yue)，重(zhong)(zhong)慶(qing)銀(yin)保(bao)(bao)(bao)監局等8部門也(ye)聯合出臺了(le)《推進重(zhong)(zhong)慶(qing)普(pu)惠(hui)保(bao)(bao)(bao)險高質(zhi)量發展指(zhi)導意(yi)見》。

提供高質量普惠保險服務

《征求意見稿》提(ti)出，普(pu)惠保險(xian)包括普(pu)惠性(xing)質的保險(xian)和專屬普(pu)惠保險(xian)兩種(zhong)保障(zhang)形式。

普惠性質(zhi)的保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)是面(mian)向(xiang)廣(guang)大人民群眾(zhong)和小微企業(ye)提供的公平(ping)可得、保(bao)(bao)(bao)(bao)(bao)費較低、保(bao)(bao)(bao)(bao)(bao)障適度的保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產品(pin)和服(fu)務，主要包括大病保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、長期(qi)護理(li)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、城市定制醫(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、稅優健康保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、專屬(shu)商(shang)業(ye)養老(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、農業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、出口信用保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等，以(yi)及保(bao)(bao)(bao)(bao)(bao)費或保(bao)(bao)(bao)(bao)(bao)額相(xiang)對較低的意外傷(shang)害保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、人壽(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、財產保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產品(pin)和服(fu)務。

專屬(shu)普(pu)惠保(bao)險(xian)主要指針(zhen)對(dui)社會保(bao)險(xian)保(bao)障不足、商業保(bao)險(xian)覆蓋空白(bai)領(ling)域，面向特(te)定人(ren)群或特(te)定風險(xian)群體開發的普(pu)惠保(bao)險(xian)產品(pin)和服務。

《征求(qiu)(qiu)意見稿》要(yao)(yao)求(qiu)(qiu)，保(bao)(bao)險(xian)(xian)公司要(yao)(yao)充分發揮保(bao)(bao)險(xian)(xian)“人(ren)(ren)人(ren)(ren)為(wei)我(wo)、我(wo)為(wei)人(ren)(ren)人(ren)(ren)”的特點，面向(xiang)廣(guang)大人(ren)(ren)民(min)群眾和市(shi)場主體(ti)提供高質量的普惠保(bao)(bao)險(xian)(xian)產品(pin)和服務。

根(gen)據(ju)《征(zheng)求(qiu)意(yi)見稿(gao)》提出的發(fa)(fa)展目標(biao)，到2025年(nian)，普惠(hui)(hui)保(bao)險高質量(liang)發(fa)(fa)展體系(xi)更(geng)加(jia)完備，保(bao)障范(fan)圍和覆(fu)蓋面不斷擴大，產品體系(xi)更(geng)加(jia)豐(feng)富(fu)，人均保(bao)障水平(ping)持(chi)續提升，服務的便捷性和滿意(yi)度(du)(du)有(you)效改善。普惠(hui)(hui)保(bao)險政策制(zhi)度(du)(du)、服務標(biao)準和評價體系(xi)基本建(jian)立(li)，普惠(hui)(hui)保(bao)險發(fa)(fa)展環境明顯改善。保(bao)險教(jiao)育深入開展，消費者保(bao)護機制(zhi)更(geng)加(jia)健全。

《征求意見(jian)稿》提出發(fa)(fa)揮(hui)(hui)各類保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)主體作用。其中，國有保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)應當發(fa)(fa)揮(hui)(hui)主力軍作用，將普(pu)惠保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業務發(fa)(fa)展納入(ru)公(gong)司(si)發(fa)(fa)展規劃，建立(li)內(nei)部(bu)考(kao)核激勵機制，加大普(pu)惠保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)重點服(fu)務領(ling)域(yu)(yu)的資源(yuan)投入(ru)。鼓勵健康險(xian)(xian)(xian)公(gong)司(si)、養老險(xian)(xian)(xian)公(gong)司(si)、農業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)發(fa)(fa)揮(hui)(hui)專業優勢，提供特色產品(pin)和服(fu)務。鼓勵中小保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)立(li)足自身特點，深耕總部(bu)所在區域(yu)(yu)，為當地群眾提供普(pu)惠保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)服(fu)務。支(zhi)持再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)參與普(pu)惠保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)風險(xian)(xian)(xian)分擔。

多舉措豐富普惠保險產品

近年來，保(bao)險業積極(ji)開展(zhan)大病保(bao)險、農業保(bao)險、小額人(ren)(ren)身保(bao)險等具有(you)普惠(hui)性的(de)保(bao)險產品和服務(wu)，保(bao)險服務(wu)覆(fu)蓋面、可(ke)得(de)性、滿意(yi)度逐步提高。但(dan)當前普惠(hui)保(bao)險仍(reng)然存(cun)在服務(wu)廣度、深度不夠及創新不足等問題，保(bao)險供(gong)給與人(ren)(ren)民群眾保(bao)障需求之間仍(reng)存(cun)在較(jiao)大差(cha)距。

對此，《征求意見(jian)稿》明確了豐富普惠保險(xian)(xian)產品(pin)體系的具體舉措，包括提高(gao)農民和城鎮(zhen)低收入群(qun)體保障(zhang)水(shui)平(ping)，改善特定風險(xian)(xian)群(qun)體保險(xian)(xian)服(fu)務(wu)，提升小(xiao)微企(qi)業(ye)、個體工商戶等(deng)抗風險(xian)(xian)能力，積極參(can)與重點領域(yu)風險(xian)(xian)保障(zhang)，鼓(gu)勵(li)發展專屬(shu)普惠保險(xian)(xian)產品(pin)。

在改善特定(ding)風(feng)險群體(ti)保(bao)險服務(wu)方面(mian)，引導保(bao)險公司積極(ji)發展(zhan)面(mian)向各類風(feng)險群體(ti)的(de)商(shang)業醫療(liao)保(bao)險。

一是(shi)(shi)大(da)(da)力(li)開(kai)(kai)發(fa)適(shi)合老(lao)(lao)年(nian)人群(qun)需(xu)要和支付能力(li)的(de)(de)意外保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)和健(jian)康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)品，探(tan)索擴大(da)(da)對(dui)既(ji)往癥(zheng)和慢性病(bing)(bing)老(lao)(lao)年(nian)人群(qun)給予合理保(bao)(bao)(bao)障，著力(li)滿足高齡老(lao)(lao)年(nian)人保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障需(xu)求。二是(shi)(shi)積(ji)極開(kai)(kai)發(fa)適(shi)應殘(can)疾人風險(xian)(xian)(xian)(xian)特征和保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障需(xu)求的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)品。三是(shi)(shi)加(jia)大(da)(da)對(dui)婦女(nv)“兩癌(ai)”、兒(er)童先天(tian)性疾病(bing)(bing)、罕(han)見(jian)病(bing)(bing)等(deng)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障。四是(shi)(shi)聚焦建(jian)筑工人、快遞騎手、網約車司機等(deng)新市(shi)民群(qun)體，開(kai)(kai)展相應的(de)(de)雇主(zhu)責任險(xian)(xian)(xian)(xian)、意外傷(shang)害保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等(deng)業務。五(wu)是(shi)(shi)針對(dui)軍人、警察(cha)、消防、應急救援(yuan)、醫護人員(yuan)等(deng)特殊職業風險(xian)(xian)(xian)(xian)人群(qun)，創新風險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障模式，開(kai)(kai)發(fa)針對(dui)性的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)品。六是(shi)(shi)適(shi)應人口政策調整帶來的(de)(de)變化，積(ji)極發(fa)展生育、兒(er)童等(deng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，滿足家庭風險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障需(xu)求。

在(zai)發展專(zhuan)屬普惠(hui)(hui)保(bao)險(xian)產(chan)品方面，《征(zheng)求(qiu)意見(jian)稿(gao)》提出(chu)，在(zai)風險(xian)可控(kong)的前(qian)(qian)提下，鼓勵保(bao)險(xian)公司創新專(zhuan)屬普惠(hui)(hui)保(bao)險(xian)產(chan)品和服務，在(zai)商業可持(chi)續前(qian)(qian)提下，不斷(duan)降低(di)專(zhuan)屬普惠(hui)(hui)保(bao)險(xian)費(fei)率(lv)，同等(deng)條件下，專(zhuan)屬普惠(hui)(hui)保(bao)險(xian)費(fei)率(lv)水平應低(di)于普通保(bao)險(xian)產(chan)品費(fei)率(lv)水平。

此(ci)外，《征(zheng)求意見稿》還提出，規范普惠保險代理、代辦行為。專屬普惠保險產品業(ye)務的代理費(fei)率應(ying)低于同類商業(ye)保險的代理費(fei)率。