徐敬惠：保险服务的增量就是保险风险的减量

Core Insights - The Chinese government aims to establish a comprehensive and competitive insurance industry by 2035, focusing on diverse products and effective regulation [1] - The concept of risk reduction in insurance services is gaining traction, emphasizing proactive management over traditional compensation models [1][2] - The health insurance sector is evolving to include risk reduction services, integrating health management to lower the incidence of claims and medical expenses [2] Group 1: Regulatory Framework - The State Council's guidelines from September last year set a target for a well-rounded insurance market by 2035 [1] - The China Banking and Insurance Regulatory Commission issued opinions in January 2023, urging property insurance companies to provide risk reduction services across various insurance types [2] Group 2: Industry Trends - Insurance companies are extending their services to include risk identification, early warning, and prevention, transitioning from passive claims to active management [1] - The health insurance market is increasingly focusing on a "product + service" ecosystem, driven by rising consumer demand for health protection [2] Group 3: Health Management Initiatives - Health management, originating in the late 1950s in the U.S., aims to control disease occurrence and reduce insurance payouts through systematic health management [2] - Domestic insurance firms are exploring various health management strategies, including partnerships with hospitals and comprehensive service offerings [2]