瑞士再保险：中国寿险与健康险市场将迎来三大机遇

Group 1 - The Chinese life and health insurance market is expected to experience three major opportunities due to demographic changes, healthcare reforms, and increased openness in the medical field [2][3] - The aging population and the rise of the "silver economy" will drive demand for retirement financial services, including risk protection, commercial pension insurance, and long-term care insurance [2] - Healthcare reforms are creating space for innovation in health insurance, such as the introduction of commercial health insurance for new drugs and special treatments, and promoting data sharing between basic medical insurance and commercial health insurance [2] Group 2 - The low interest rate environment poses challenges for the insurance industry, particularly affecting savings-type insurance products [3] - Insurance companies are responding to the low interest rate environment by lowering guaranteed interest rates on life insurance products and promoting dividend-type products [3] - Regulatory bodies are encouraging life insurance companies to increase equity asset allocation to mitigate risks associated with interest rate differentials [3]