“Protecting the people’s good life with insurance is the starting point and foothold of all our work.”
People’s livelihood is the foundation of people’s happiness China Life Insurance Company Limited(601628) (hereinafter referred to as ” China Life Insurance Company Limited(601628) life insurance”) Chongqing branch is dedicated to meeting the people’s financial and insurance needs for a better life. It has continuously innovated methods and measures and made new progress in participating in social risk management, improving people’s livelihood security and boosting rural revitalization.
stick to the origin and let customers feel the warmth of insurance
Life insurance is a financial industry based on personal risk, which is closely related to the production and life of the people. Adhering to the concept of “people-centered”, Chongqing Branch of China Life Insurance Company Limited(601628) life insurance continues to provide emotional, warm and fast insurance services to a wide range of customers.
In 2021, China Life Insurance Company Limited(601628) life insurance Chongqing Branch provided customers with 500000 claims settlement services, with a claim amount of more than 970 million yuan and a winning ratio of 99.74%. From the distribution of claims, medical compensation accounts for the highest proportion, reaching 39.14%, serious illness compensation accounts for 27.59%, and death and disability compensation accounts for 33.26%. Through fast and warm insurance claims settlement, it effectively shared the pressure of people’s medical expenses and enhanced their ability to resist personal risks.
With the help of powerful adjustment engine, China Life Insurance Company Limited(601628) life insurance Chongqing Branch handled claims intelligently in the whole process in 2021, accounting for more than 79%. 469200 e-services were provided to customers through online channels such as life insurance app, wechat claim settlement and salesperson e-store claim settlement. Strengthen the application of digital transformation achievements and improve the level of scientific and technological empowerment. The company’s claims direct payment service has more than 270000 customers, and provides claims settlement services of reporting cases upon admission and settlement upon discharge, so as to settle claims as soon as possible.
ensure people’s livelihood and meet the urgent needs of the masses
If “adhering to the people as the center” answers the question of the value concept of the development of the financial and insurance industry, then “closely relying on the people” answers the question of the source of strength. To focus on the people, we must find out what the people want and constantly solve the most concerned, direct and realistic livelihood problems of Lbx Pharmacy Chain Joint Stock Company(603883) people, so as to win the support of the people and gather the public opinion.
Focusing on the medical security needs of the people, China Life Insurance Company Limited(601628) life insurance Chongqing branch actively participates in serious illness insurance for urban and rural residents, inclusive commercial supplementary medical insurance “Chongqing Chongqing express insurance” and other businesses, and uses market-oriented insurance mechanism and professional insurance services to participate in public service management.
It is the bounden responsibility of China Life Insurance Company Limited(601628) life insurance company to implement the decision and deployment of the CPC Central Committee on improving the multi-level social security system and actively participate in dealing with the problem of population aging. According to the data of the seventh national census of Chongqing in 2021, there are 5.4736 million permanent residents over the age of 65, accounting for 17.08%, and the aging rate of permanent residents over the age of 65 ranks second in China.
The most beautiful mulberry and elm scenery, the world has a heavy sunny night. It is people’s common wish to have a sense of security for the elderly and provide for the aged in a healthy way China Life Insurance Company Limited(601628) life insurance Chongqing Branch launched pension security products suitable for different risk preferences and different age stages. In June 2021, as a pilot unit of exclusive commercial endowment insurance, China Life Insurance Company Limited(601628) life insurance Chongqing Branch launched the pilot sales of Guoshou xinxiangbao exclusive commercial endowment insurance in Chongqing to meet the pension needs of new business types and flexible employment groups.
On December 6, 2021, Chongqing Medical Insurance Bureau and Chongqing Finance Bureau issued the implementation opinions on expanding the pilot of long-term care insurance system. In 2022, the long-term care insurance system will be implemented in all districts and counties of the city.
China Life Insurance Company Limited(601628) life insurance company has participated in the pilot work of long-term care insurance in Chongqing for three consecutive years, providing long-term care insurance handling services for 210000 urban employees in Chongqing every year, which better meets the long-term care security needs of local elderly disabled persons. Combined with three years of pilot experience, China Life Insurance Company Limited(601628) life insurance company will continue to promote the comprehensive promotion of long-term care insurance in Chongqing and actively explore the organic integration of elderly care, rehabilitation, medical treatment, nursing and other services.
Rural Revitalization and providing comprehensive guarantee for the masses
2021 is a key year for consolidating and expanding the achievements of poverty alleviation and effectively connecting with rural revitalization. For some people who have just lifted out of poverty, it is often difficult to resist the risks of disasters, diseases, unemployment and so on.
Cui Lin (a pseudonym), a low-income household in Xiushan County, felt a little anxious. Her 16-year-old son was found to have congenital heart disease in April. “I thought at that time, it’s over now. What should I do if the operation cost is so high?”
Fang Fang (a pseudonym), who lives in Fuling District, is also worried. With her admission to Huazhong University of science and technology for postgraduate study, the annual tuition expense reaches 20000 yuan.
The rising expenses of medical expenses and tuition fees have brought great pressure to families such as Cui Lin and Fang Fang China Life Insurance Company Limited(601628) life insurance Chongqing Branch listed “marginal poor households” like Cui Lin and “unstable households out of poverty” like Fang Fang as key underwriting objects.
In the past, many people “delayed minor diseases and carried major diseases”. In view of this situation, Chongqing Branch of China Life Insurance Company Limited(601628) life insurance company has classified the people who have been released from poverty, key monitoring personnel and special groups such as women, children and the elderly, so as to meet their diversified security needs and make Lbx Pharmacy Chain Joint Stock Company(603883) ‘s sense of acquisition, happiness and security richer, more secure and more sustainable.
In Xiushan County, China Life Insurance Company Limited(601628) life insurance Chongqing Branch has established multiple insurance guarantees including poverty alleviation insurance, micro insurance, children’s serious illness relief, silver age health, women’s health and village construction insurance in combination with the actual needs of local residents.
When Cui Lin received a call from Wu Shixian, a staff member of China Life Insurance Company Limited(601628) life insurance Xiushan branch, she was a little surprised, “how do you know our family is in trouble?”
Through the big data screening of the county medical insurance bureau and regular visits by local and township governments, China Life Insurance Company Limited(601628) life insurance Chongqing Branch will carry out verification in time once it finds the object in need of assistance. This time, Cui Lin paid 58000 yuan for her son’s operation. Wu Shixian applied for the life green children’s serious illness relief project, and Cui Lin received 38300 yuan of relief fund.
In contrast to the big data screening method, it is Lbx Pharmacy Chain Joint Stock Company(603883) ‘s independent application. Fang Fang, who is in Fuling, submitted the application form of civil affairs, benefiting the people and helping the poor insurance to China Life Insurance Company Limited(601628) life insurance company, and received a college entrance subsidy of 5000 yuan before the beginning of school.
In the second half of 2021, Chongqing launched a pilot project of comprehensive anti-poverty insurance in 22 districts and counties of the city to buy comprehensive commercial insurance for qualified rural residents, covering four categories of insurance liabilities: medical subsidy, accidental death or disability, house loss and college entrance subsidy.
China Life Insurance Company Limited(601628) life insurance Chongqing branch actively participated in the pilot work. In Xiushan County, when Wu Shixian found that Cui Lin’s family also met the underwriting conditions, she told her the news at the first time. On the basis of the existing policy system guarantee, Cui Lin’s son will also receive medical subsidies for comprehensive poverty prevention insurance after he is discharged from the hospital.
In 2021, China Life Insurance Company Limited(601628) life insurance Chongqing Branch consolidated the poverty relief insurance and provided 40.06 million yuan of compensation to 92000 people in need, and policy insurance business provided 54 million yuan of compensation to 150000 people. The insurance risk guarantee mechanism was used to effectively resolve the risk of rural residents returning to poverty.
Focusing on a better future, China Life Insurance Company Limited(601628) life insurance company will continue to realize, maintain and develop the fundamental interests of the overwhelming majority of the people, adhere to the origin of insurance, give full play to the role of economic “shock absorber” and social “stabilizer”, boost the construction of multi-level social security system, and make Lbx Pharmacy Chain Joint Stock Company(603883) feel warm, happy and stable.
