Group 1 - The core idea of the news is the launch of the "Commercial Insurance Calculator" by the Shanghai Medical Insurance Bureau, which aims to help consumers select tailored commercial health insurance products using intelligent technology [1][2] - The "Commercial Insurance Calculator" utilizes a data foundation based on "personal medical expense burden profiles," ensuring consumer privacy and data security while creating multidimensional population profiles [1] - The profiles categorize medical expense burdens into three main categories (high, medium, low) and nine subcategories, dynamically generating a "health insurance matching model" to recommend specific products [1] Group 2 - The "Commercial Insurance Calculator" is now available in the "Suishenban" personal account section, allowing users to receive intelligent insurance recommendations after granting authorization [2] - Currently, 11 insurance products are recommended, including hospitalization medical insurance, comprehensive medical insurance, critical illness insurance, outpatient emergency insurance, and specific disease insurance, covering essential protection needs [2] - The Shanghai government has adopted a "government-led, market-driven" approach to attract more insurance institutions, resulting in over 20 products launched in the personal account section, with more than 50,000 policies issued and premiums exceeding 30 million yuan, of which 93% were paid from personal accounts [2]
利用智能技术为消费者量身定制保障方案 上海创新推出“商保计算器”
Jie Fang Ri Bao·2025-05-22 01:54