1. Overall requirements (1) Guiding ideology.

Guided by Deng Xiaoping Theory, the important thought of "Three Represents", and the Scientific Outlook on Development, and based on serving the modernization of the national governance system and governance capabilities, the development of the modern insurance service industry should be considered as an overall consideration in the overall layout of economic and social work to meet the increasing needs of society.

Starting from the growing demand for diversified insurance services, with the direction of improving the insurance economic compensation mechanism, strengthening the core functions of risk management and improving the efficiency of insurance fund allocation, we will reform and innovate, expand opening up, improve the market, optimize the environment, improve policies, and build a competitive market

A powerful, creative and dynamic modern insurance service industry has made the modern insurance service industry a pillar force in improving the financial system, a strong support for improving people's livelihood security, an effective mechanism for innovating social management, and an efficient way to promote economic quality, efficiency and upgrading.

engine and an important starting point for transforming government functions.

(2) Basic principles.

First, adhere to market leadership and policy guidance.

For commercially operated insurance business, create a market environment of fair competition so that the market plays a decisive role in resource allocation; for insurance business that is of social welfare and related to the national economy and people's livelihood, create a low-cost policy environment and provide necessary support;

The insurance business, which has a positive role in improving the quality and efficiency of the service economy but currently has a weak foundation, should better play the guiding role of the government.

The second is to persist in reform and innovation and expand opening up.

Comprehensively deepen the reform of the insurance industry's institutional mechanisms, improve the level of internal and external opening up, introduce advanced business management concepts and technologies, and release and stimulate the industry's sustainable development and innovation vitality.

Strengthen insurance product, service, management and technological innovation capabilities, and promote differentiated competition and personalized services among market entities.

The third is to persist in improving supervision and preventing risks.

Improve the insurance legal system, accelerate the modernization of insurance supervision, safeguard the legitimate rights and interests of insurance consumers, and standardize market order.

We must properly balance the relationship between accelerating development and preventing risks, and maintain the bottom line of preventing systemic regional financial risks.

(3) Development goals.

By 2020, a modern insurance service industry with comprehensive guarantees, complete functions, safety and stability, integrity and standardization, strong service capabilities, innovation capabilities and international competitiveness, and adapted to the needs of my country's economic and social development will be basically established, and strive to transform from a major insurance country to a Transformation of an insurance powerhouse.

Insurance has become a basic means of risk management and wealth management for the government, enterprises and residents, an important channel to improve the level and quality of security, and an effective tool for the government to improve public services and strengthen social management.

The insurance penetration (premium income/gross domestic product) reaches 5%, and the insurance density (premium income/total population) reaches 3,500 yuan/person.

The role of insurance as a social "stabilizer" and an economic "booster" has been effectively played.

2. Build an insurance network to protect people’s livelihood and improve the multi-level social security system. (4) Build commercial insurance into an important pillar of the social security system.

Commercial insurance must gradually become the main provider of personal and family commercial security plans, an important provider of enterprise-initiated pension and health security plans, and an active participant in the market-oriented operation of social insurance.

Support qualified enterprises to establish commercial pension and health insurance plans.

Support insurance institutions to vigorously expand enterprise annuity and other businesses.

Give full play to the supplementary role of commercial insurance to basic pension and medical insurance.

(5) Innovate pension insurance products and services.

Provide personalized and differentiated pension security for different groups.

Promote the development of personal savings pension insurance.

Launch a pilot program of reverse mortgage pension insurance for housing.

Develop a one-child family protection plan.

Explore new models of protection for the elderly who have lost their only child.

Develop comprehensive liability insurance for elderly care institutions.

Support qualified insurance institutions to invest in the elderly care service industry and promote the integrated development of the insurance service industry and the elderly care service industry.

(6) Develop diversified health insurance services.

Encourage insurance companies to vigorously develop commercial health insurance products such as various types of medical treatment, disease insurance and disability income loss insurance, and connect them with basic medical insurance.

Develop commercial long-term care insurance.

Provide health management services such as disease prevention, health maintenance, and chronic disease management combined with commercial health insurance products.

Support insurance institutions to participate in the integration of the health service industry chain, explore the use of equity investment, strategic cooperation and other methods to establish medical institutions and participate in the restructuring of public hospitals.

3. Give full play to the insurance risk management function and improve the social governance system (7) Use the insurance mechanism to innovate the way public services are provided.

The government, by purchasing services from commercial insurance companies, makes full use of market-based mechanisms in the field of public services, actively explores and promotes qualified commercial insurance institutions to carry out various pension and medical insurance handling services, and improves social management efficiency.

In accordance with the requirements for comprehensively developing critical illness insurance for urban and rural residents, we will do a good job in entrusting the work, continuously improve the operating mechanism, and improve the level of protection.

Encourage the development of emerging businesses such as public security insurance and community comprehensive insurance.

Support insurance institutions to participate in the integration of the security service industry chain through equity investment, strategic cooperation and other means.

(8) Give full play to the role of liability insurance in resolving conflicts and disputes.