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Product Innovation

2026-09-183713

Adjustment of Assumed Interest Rates for Life Insurance Products: Industry Impact and Consumer Strategies

Regulators have established a dynamic adjustment mechanism for assumed interest rates on life insurance, lowering the pricing cap for ordinary products. This measure helps mitigate industry spread loss risks and liability pressures while promoting an increased share of floating-return products. Consumers should refocus on core protection needs by prioritizing basic coverage such as medical and critical illness insurance, view savings product return illustrations rationally, and rely on contract terms as the final authority.

Regulatory Policies Product Innovation Industry News

Loli Technology Research Institute2026-09-18

2026-10-196707

New普惠 Care Insurance Launches in Multiple Regions, Filling Gaps for Mild to Moderate Disability Coverage

Multiple regions have launched inclusive commercial long-term care insurance products, such as Beijing's "Jing Hu Bao" and Shanghai's "Hu Li Bao," aiming to supplement the policy-based long-term care insurance for mild to moderate disability coverage. Currently, the supply of commercial long-term care insurance remains low. Experts recommend aligning assessment standards, clarifying benefit boundaries, and building a multi-layered long-term care system to alleviate the caregiving pressures associated with an aging population.

Long-term care insurance Elderly Care Security Product Innovation

Real-time Updates2026-10-19

2026-10-195219

Should You Insure Luxury Goods? 3 Types Pay 10 Times Less in Premiums—Choosing Wrong Means No Payout + FAQ

This article breaks down luxury insurance strategies for three key groups: frequent travelers, home collectors, and second-hand traders, offering tailored plans with premiums varying up to tenfold. Key advice includes insuring for replacement value, selecting all-risk coverage, and carefully reviewing deductibles. It also clarifies claim reporting deadlines and required documentation to help consumers avoid costly mistakes that could lead to denied claims.

Property and casualty insurance company Consumer Rights Product Innovation

New Wave Express2026-10-19

2026-10-188319

Beijing's Five Departments Issue Joint Directive to Accelerate Cultural Industry Insurance: Customized Products Target Film, Performing Arts, and Intangible Cultural Heritage

Five Beijing departments have issued measures to advance insurance development for the cultural industry, encouraging insurers to offer customized products and risk mitigation services tailored to film, performing arts, cultural relics, and intangible heritage. This initiative aims to address key challenges such as difficulties in valuing cultural assets and data gaps, leveraging financial support to strengthen Beijing's role as a national cultural center and drive high-quality industrial growth.

Regulatory Policies Product Innovation Liability Insurance

Real-time Updates2026-10-18

2026-10-163128

From Product Innovation to Integrated Lending and Insurance: Institutions Accelerate Deployment in Tech Finance

Aligning with policies to foster new quality productive forces, financial institutions are intensifying their focus on tech finance. Banks have launched innovative products like Token Loans, while insurance coverage now extends to AI applications and liability risks. The integrated model of investment, lending, and insurance is accelerating, building a comprehensive lifecycle service system.

Fintech Product Innovation

Market Insights2026-10-16

2026-10-157831

First Domestic "Sidecar" Insurance-Linked Securities Deal

PICC Property and Casualty issued the first side-car insurance-linked security (ILS) from mainland China in Hong Kong to provide reinsurance support for offshore wind energy. This innovation bridges mainland risk with international capital, expands catastrophe risk diversification channels, and supports green energy development.

Insurance Fund Utilization Catastrophe and Climate Risk Product Innovation

Sina Finance2026-10-15

2026-10-145491

Domestic insurers launch first "side-car" insurance-linked securities to expand catastrophe risk diversification channels

PICC Property & Casualty has issued the first domestic side挂车 insurance-linked security (ILS) in Hong Kong, providing reinsurance support for offshore wind energy. This breakthrough connects mainland risk pools with international capital, innovates catastrophe risk-sharing mechanisms, and supports green energy development alongside optimized capital management for insurers.

Insurance Fund Utilization Product Innovation

Sina Finance2026-10-14

2026-10-149412

PICC Property and Casualty Company issues first "Sidecar" insurance-linked security in the Hong Kong market

PICC Property & Casualty recently successfully issued the first sidecar insurance-linked security (ILS) in Hong Kong to provide reinsurance coverage for offshore wind power projects. This marks the first time a domestic insurer has adopted this structure, representing another innovative practice in leveraging international capital markets to diversify risk following catastrophe bonds.

Product Innovation Insurance Fund Utilization

Securities Times Network2026-10-14

2026-10-144260

Compute Insurance: What's Covered and How to Get It?

Multiple insurers have launched computing power insurance, focusing on property and liability risks. Currently in the pilot phase, it faces challenges such as insufficient data. In the future, it will collaborate with multiple parties to build a tech-finance ecosystem, supporting computing power asset valuation and credit enhancement for financing.

Product Innovation Fintech Property and casualty insurance company

People's Daily Online2026-10-14