Core Insights - The life insurance industry is undergoing a profound transformation from "scale expansion" to "quality competition," driven by factors such as aging population, upgraded health demands, and technological reshaping of services [1][2] - AIA Insurance is exploring new paths for transformation by positioning itself as a "health partner" rather than just a risk provider, focusing on the concept of "healthy, long-lasting good life" [1][5] Industry Changes - The shift in consumer needs from single risk coverage to diverse health demands is evident, with a significant portion of diseases in Asia being lifestyle-related, highlighting the inadequacy of traditional insurance models [3][4] - The aging population in East Asia, particularly in China, Japan, and South Korea, is creating a market gap in insurance products that cater to the diverse needs of the elderly, such as home care and chronic disease management [3][6] Consumer Demand Evolution - Younger consumers are increasingly viewing insurance as a foundation for a healthy lifestyle rather than merely a safety net, leading to a demand for personalized solutions and interactive health incentives [4][9] - The transition from passive acceptance of insurance to active engagement in health management is prompting insurance companies to seek long-term connections with clients [4][9] Role Transformation - Insurance companies are shifting from being mere claim payers to becoming builders of comprehensive health ecosystems, redefining the boundaries and value of insurance services [5][6] - AIA is implementing a "light asset + heavy service" model to create a retirement ecosystem that integrates various resources for health management and elder care [7] Cross-Industry Integration - The integration of sports into health initiatives is seen as a way to connect with younger demographics, transforming abstract health concepts into tangible lifestyle practices [9][10] - AIA's youth football training camps exemplify the company's commitment to promoting health through sports, enhancing community engagement and brand connection [10] Future Development - The future competitiveness of life insurance companies will hinge on three core capabilities: deep understanding of customer health needs, cross-sector resource integration, and the fusion of technology with personalized service [12][13] - The ongoing "Healthy China 2030" initiative and the deepening aging trend are reinforcing the importance of health service attributes in insurance offerings [12]
如何健康“同行” ？头部险企迈入新价值深水区
Nan Fang Du Shi Bao·2025-08-15 12:35