深化风险减量 险企加速布局健康管理子公司

Group 1 - The National Financial Regulatory Administration approved China People's Health Insurance Co., Ltd. to establish a health management subsidiary, indicating a trend of insurance companies optimizing additional services and moving towards professional risk reduction in life insurance [1][2] - China People's Health Insurance will invest 200 million yuan of its own funds to establish the health management company, aiming to create a new business model that integrates insurance, health services, and technology [2][3] - The establishment of health management companies by insurance firms is a growing trend, with examples from companies like China Pacific Insurance and Cigna, reflecting a shift from reactive claims to proactive health management [3][4] Group 2 - The health management subsidiary will enhance the integration of health insurance and health management, promoting a transition from traditional reimbursement models to managed healthcare [2][6] - The core motivation for insurance companies to establish health management companies is to create a comprehensive health ecosystem that connects insurance with medical services, thereby expanding their business scope and tapping into potential market opportunities [3][5] - The collaboration between insurance and health management services is expected to yield significant synergies, benefiting insurance companies, health management firms, and consumers alike, although the effectiveness of health management may take 3 to 5 years to fully materialize [5][6]