Zhuhai Disabled Persons' Federation teams up with Taiping Insurance to strengthen the accident protection network for certified disabled residents across the city by 2026.

A policy carries a weighty sense of care; a plan of coverage safeguards the peace and stability of tens of thousands of families. On March 31, the Zhuhai Disabled Persons’ Federation and Taiping Property & Casualty Insurance Company Limited’s Zhuhai Central Branch officially signed the 2026 Annual Accident Injury Insurance Coverage Contract for persons with disabilities. This insurance is fully funded by the government’s finance department. This people’s livelihood initiative will provide free accident coverage throughout the year for more than 29,000 registered, credential-holding persons with disabilities in the city. By taking practical, tangible actions, it raises a “protective umbrella” for persons with disabilities to ward off risks, weaving a risk prevention net for persons with disabilities—so that people in special groups can live with more confidence and more warmth.

Government as backstop: care that’s “free of charge,” warming every person with a disability

“You can enjoy accident coverage for an entire year without spending a single cent of your own, and that really puts my mind at ease.” After hearing this news, Mr. Zhang, a person with a physical disability living in Xiangzhou District, Zhuhai, said with感慨. This peace of mind comes from Zhuhai City Government’s high level of attention to the welfare of persons with disabilities.

This cooperation continues a mature model of “government-led, broad coverage, market operation.” The underwriting institution is determined through open bidding. The coverage targets include all citizens in Zhuhai who are registered as residents and hold the People’s Republic of China Disabled Persons’ Certificate, truly realizing “no one left out, full coverage for those who should be insured.” This insurance, fully “paid for” by the government, is not only an economic compensation, but also a way to ensure that policy dividends precisely benefit every person with a disability who meets the conditions—along the path where persons with disabilities pursue a better life, the government is always their most solid backer.

Coverage upgrade: a “capacity-expanded” safeguard, addressing every mishap in daily life

Accidents and mishaps are unavoidable in life. For citizens with disabilities, the physical and mental pressure and financial burden brought by accidental risks are often even heavier. For this reason, the 2026 accident insurance for persons with disabilities, building on the experience of improving coverage in prior years, has comprehensively upgraded the coverage contents.

The coverage items include multiple types of liabilities that may be involved in accident injuries—like a “safety net,” tightly covering the various accident risks that persons with disabilities may encounter in everyday commuting, life at home, and rehabilitation activities. Compared with previous years, the core coverage limits continue to increase. Key benefit amounts such as disability due to accidental injury and medical coverage are further increased, effectively easing the financial burden that accident incidents impose on families of persons with disabilities.

Efficient claims: a “green” channel, conveying warmth within reach

Good coverage should not only protect comprehensively, but also pay out fast and provide warm service. As the insurer, Taiping P&C’s Zhuhai Central Branch knows the responsibilities and expectations behind this policy. The company has specifically opened a “green claims channel” for persons with disabilities, simplifying complicated procedures, shortening claim processing times, and providing on-site services—so that persons with disabilities who have difficulty with mobility can complete their claim applications without leaving home.

“ We require every claims staff member to treat others as ourselves, turning the trust behind each policy into efficient, convenient, and compassionate service. We hope that through professional, efficient, and warm service, claims can become simple, and care can be within easy reach.” a relevant负责人 from Taiping P&C’s Zhuhai Central Branch said. Meanwhile, the Zhuhai Disabled Persons’ Federation will also work together with the insurance company to do full-process services such as policy publicity, confirmation of enrollment, and claims guidance—ensuring that every qualifying person with a disability can promptly understand the policy and conveniently enjoy their coverage benefits, truly realizing “zero distance in service, and barrier-free care.”

Moving forward: let the sunshine of care illuminate every corner

This signing is another vivid practice by Zhuhai in continuously improving the social security system for persons with disabilities. In this warm transmission, Taiping P&C’s Zhuhai Central Branch is not only an “underwriter,” but also a “guardian” full of warmth. A small policy reflects the city’s deep care for special groups, and also mirrors Taiping P&C’s Zhuhai Central Branch’s original intention to take root in Zhuhai and serve people’s livelihoods. From “whether it exists” to “whether it’s good,” from “providing basic coverage” to “improving quality,” every step of Zhuhai’s exploration in the cause of persons with disabilities, as well as the professionalism and services of Taiping P&C’s Zhuhai Central Branch, is infused with care that puts people first.

Looking ahead, Taiping P&C’s Zhuhai Central Branch will continue to leverage its professional strengths in insurance coverage, continuously optimize the service experience, and work closely with the Zhuhai Disabled Persons’ Federation to jointly explore more innovative initiatives to benefit and assist persons with disabilities—so that every person with a disability can walk more steadily and more confidently along the path of equal participation in social life. In Zhuhai, a city of happiness, they can share the fruits of development and embrace a better life.

By | Reporter Li Xu