发展小额保险是保障民生、改善民生的重要方式小额保险是指按照保险经营原理运营,为城市和农村的低收入群体提供的低保费、低保额、理赔简单的保险服务。界定小额保险的核心特征是面向低收入群体提供保险保障。作为小额金融的重要组成部分,小额保险具有商业性和社会公益的双重特征,得到许多国际性组织和发展中国家的高度重视。另一方面,与传统商业保险相比,小额保险 Developing micro-insurance is an important way to protect people’s livelihood and improve people’s livelihood. Micro-insurance refers to the low-premium, low-coverage and simple claims insurance service that operates according to the principle of insurance management and provides low-income groups in urban and rural areas. The defining feature of microinsurance is providing coverage for low-income groups. As an important part of microfinance, the micro-insurance has the dual characteristics of commerciality and social welfare, and has attracted great attention from many international organizations and developing countries. On the other hand, compared with the traditional commercial insurance, micro-insurance