"New citizen" is undoubtedly the "hot word" in the financial field this year.
How to make the migrant workers in the city feel more confident in their hard work, and how to meet the financial consumption needs of new citizens? To this end, China Life combines the needs of new citizens to play a role in business functions, and strengthen innovation in financial products and services according to local conditions. To improve the equality and convenience of financial services, the financial service picture for "new citizens" is gradually unfolding.
Product innovation is more secure, increasing the "depth" of financial services for new citizens
China Life has effectively played the role of the "head goose" in the industry, enhanced the basic livelihood security of new citizens, and promoted the implementation of 145 customized inclusive medical insurance projects in cities, and is committed to allowing more new citizens to enjoy local medical insurance.
For example, the Guangzhou “Sui Suikang” urban customized commercial medical insurance project underwritten by China Life Insurance Company has included “new citizens” who have not held a residence permit in Guangzhou for two years, and promoted the effective coverage of medical insurance. Up to now, the number of people participating in the insurance has reached 93,000.
At the same time, as one of the first companies to pilot exclusive commercial endowment insurance, China Life actively provides endowment financial services to new citizens such as food delivery riders, online car-hailing drivers, housekeepers, couriers, etc. A vision of a better life for new citizens.
Focusing on the construction industry where new citizens are relatively concentrated, China Life has developed 13 insurance products in the "Construction Engineering" series, providing various types of accidental death, accidental disability and other insurance coverage covering construction sites and living areas designated for construction. 400,000 enterprises provide nearly 16 million construction accident insurance coverage.
In addition, in response to the financial needs of new citizens for entrepreneurship and employment, China Life not only actively promotes the development of loan guarantee insurance for small and micro enterprises, and reduces the financing cost of new citizens, Guangfa Bank, a member of the group, also strengthens the supply of credit, improves housing finance policies, and supports salary payment. , optimizing basic financial services, and enriching consumer financial services, etc., introduced a package of inclusive financial service measures, subdivided demand service scenarios, and targeted four typical new types of migrant workers, self-employed people, college graduates, and urban immigrant elderly. For citizen groups, we have formulated four exclusive financial service packages for customer segments, namely "New Town Power", "New Town Light", "New Town Spring" and "New Town Warmth", to help new citizens gain a firm foothold in the city and truly integrate into urban life.
Service upgrades are more assured to improve the "temperature" of financial services for new citizens
The Lunar New Year in the Year of the Tiger closely follows the Beijing Winter Olympics, and thousands of homes are lit up and cheered.
In order to allow migrant workers to receive their wages before the Spring Festival to eat the fixed "salary" pills, a week before the Spring Festival, China Life Property and Casualty Insurance Company paid 1.31 million yuan of compensation insurance money to the wages of migrant workers in the tripartite supervision project of the housing construction system in Dongying City, Shandong Province. It took only 24 hours from initiation to payment of the migrant workers’ wages to pay the performance guarantee insurance compensation.
This is just a microcosm of China Life's efforts to protect the rights and interests of new citizens.
As early as 2018, China Life Property & Casualty Insurance Company launched wage payment guarantee insurance for migrant workers to provide insurance protection for migrant workers’ wages. So far, it has provided more than 6.8 million migrant workers with more than 340 billion yuan in wage protection.
In addition, China Guangfa Bank has innovatively implemented the online wage payment business of the real-name system for construction workers, helping government departments to reduce the supervision pressure on workers' wage payment and effectively protect the rights and interests of workers.
"Having a place to live" is the basic guarantee for new citizens who work hard outside to establish themselves in a new city.
In order to meet the needs of new citizens to live comfortably, China Life has continuously optimized its housing financial services. In terms of enriching the housing insurance security system, it has actively carried out construction quality defect insurance, lessee liability insurance and lessor liability insurance and other types of insurance, and piloted construction projects for affordable housing. Class guarantee insurance and construction project quality assurance insurance. From 2021 to the end of the first quarter of 2022, it has provided risk protection of over 120 billion yuan.
In terms of service experience for the elderly, China Life is the first in the industry to launch service items such as "App Respect Model", "Priority Answering for Elderly Calls", and "Exclusively Accompanied by the Elderly at the Counter", which effectively enhances the service experience of elderly customers.
At the same time, China Life actively participates in the pilot project of long-term care insurance projects. Taking Guangzhou as an example, China Life provides long-term care services for 3.83 million local insured persons, realizing the seamless connection between the medical insurance benefits and long-term care benefits of insured persons, allowing families to have The elderly and new citizens can work hard with confidence.
Technology-driven more worry-free expansion of financial services "speed" for new citizens
In order to provide intelligent and precise financial services to new citizens, China Life launched the "China Life Alliance" project through digital empowerment, which brings together China Life Insurance, China Guangfa Bank, China Guangfa Credit Card, China Life Property & Casualty Air Customer Service, China Life Security Funds and other online platforms have built a fast channel for new citizens to provide services to facilitate one-stop access to financial products and related services for new citizens.
China Life has also launched the 95519 remote service emergency plan, and at the same time, it has realized the globalization of policy business and one-stop solution to the problem of new citizens' off-site policy services.
In particular, the "China Life Insurance" App has launched 28 self-service inquiry and processing functions for insurance policies, including policy reinstatement, renewal payment account change, policy loan, and policy repayment. You can "face-to-face" with the teller without leaving your home, and experience the convenient and fast business processing mode.
At the same time, in response to the problem that some elderly people are temporarily unable to adapt to the online financial business, China Guangfa Bank has launched a practical and tough trick to solve the difficulties of using intelligent technology for the elderly.
On the basis of the original high-frequency service in the large-character version, the "Guangfa Bank" App uses voiceprint recognition technology combined with traditional identity verification methods to flexibly handle identity verification issues such as forgotten passwords for elderly customers. Smart customer service” and other convenient services to create emotional financial services.
At the recent work conference of China Life in the first half of 2022, Bai Tao, chairman of China Life Group, emphasized that China Life should adhere to the political, people, and professional nature of financial work, and put the focus and foothold of the work on persistence. In terms of "insurance surnamed insurance", returning to the source of security, implementing the "three tasks" of financial work, and meeting the actual needs of the people, we will focus on playing the role of the industry's "leading goose", and strive to become an important force in ensuring the security of the real economy and safeguarding the people's better life.
China Life will continue to adhere to the people first, do a good job of "insurance and insurance", accurately meet the financial needs of new citizens, and use the financial water to warm the hard-working dream chasers, so that the city can truly become a new citizen "to live their dreams and tolerate their bodies and minds." "The safe place to live, to meet the people's yearning for a better life at a higher level, and to lay a solid foundation for development, and to show greater achievements in promoting common prosperity.