马孝武：数字化重塑健康生态 让健康服务变得可感知、可信任

Core Insights - The core viewpoint emphasizes that the integration of AI and digital technology is not merely about efficiency but about creating a new health service model that is more accessible and user-friendly [1][6]. Group 1: Digital Transformation in Health Services - The company has experienced significant growth in the internet insurance sector, with an annual growth rate exceeding 300% in recent years, necessitating the adoption of AI and data intelligence for operational efficiency [3]. - The digital transformation has enabled a complete process from online purchasing to automatic underwriting and rapid claims processing, significantly reducing the time and psychological costs for users [3]. - The company is advancing towards a "fully automated claims 2.0" phase, indicating a commitment to enhancing operational efficiency through digital means [3]. Group 2: Continuous Health Support - The concept of health is framed as a continuous process rather than a one-time medical service, with increased public demand for personalized and ongoing health services post-pandemic [4]. - The launch of the "Easy Medical Inquiry" product aims to extend doctor services into the post-consultation phase, utilizing AI for structured inquiries and personalized reminders [4]. - The company aims to integrate digital technology into every aspect of health living, ensuring that services remain accessible and supportive [4]. Group 3: Future of Health Insurance - The company anticipates a shift towards a 2.0 phase in internet health insurance, characterized by self-response, intelligent adaptation, and dynamic optimization capabilities [5]. - The current version of health insurance has been established, including modules for intelligent underwriting and claims processing, with future efforts focused on deeper AI integration [5]. - The company believes that achieving these capabilities will transform users from passive policyholders to active health managers, fundamentally altering the industry landscape [5]. Group 4: Trust and Digital Transformation - The essence of insurance is identified as a trust-based product, necessitating the establishment of a comprehensive digital trust mechanism, where AI and blockchain could play crucial roles [6]. - The overarching vision is to translate complex technology into warm, accessible services that empower individuals to take charge of their health and well-being [6][7].