泰康在线聚焦商业保险与医药产业融合，共探创新发展之路

Core Viewpoint - The forum held by Taikang Online on its tenth anniversary focused on the integration of commercial insurance and the pharmaceutical industry, aiming to promote high-quality development in commercial health insurance [1][5] Group 1: Industry Trends - The health insurance premium income in the insurance industry is expected to approach 1 trillion yuan in 2024, driven by favorable national policies [2] - Approximately 40% of the population in China is in a "non-standard health state," indicating a strong demand for health insurance among those with pre-existing conditions [2] - The traditional view of commercial insurance as a precautionary measure is shifting towards addressing the needs of individuals already facing health issues [2] Group 2: Product Development - Taikang Online has developed a comprehensive insurance product system covering the entire disease cycle for individuals with pre-existing conditions, including cancer recurrence insurance products [3] Group 3: Collaborative Ecosystem - The forum highlighted the importance of multi-party collaboration in building an integrated ecosystem, with emphasis on diverse payment solutions to enhance patient access to medications [4] - The collaboration between public hospitals and commercial insurance is seen as a key driver for high-quality development, allowing for innovative insurance product designs and data utilization [4] - Taikang Medical and Taikang Online are working closely to explore single-disease insurance products, creating a win-win situation for insurance providers, healthcare facilities, and consumers [4] Group 4: Future Outlook - Taikang Online aims to transition from being merely a "payer" to a "health promoter," focusing on solutions for individuals with pre-existing conditions and creating a comprehensive health service ecosystem [6]