健康险内部结构生变 健康管理赛道悄然升温

Group 1 - The insurance industry in China is increasing investment in health insurance products and services, with a notable growth in mid-to-high-end medical insurance, which has become a highly competitive area [1][2] - Medical insurance is now a new pillar of the health insurance market, surpassing critical illness insurance in terms of market share [2][3] - The integration of health management services into health insurance is becoming more prevalent, with insurance companies establishing specialized health management firms [1][3] Group 2 - The DRG (Diagnosis-Related Group) and DIP (Disease-Related Payment) reforms in healthcare are creating new opportunities for product innovation in commercial health insurance [2] - Insurance companies are focusing resources on health-related businesses, particularly one-year health insurance products, with an emphasis on mid-to-high-end medical insurance [2][3] - The new "National Ten Articles" policy encourages the integration of commercial health insurance with health management services, aiming to enhance service levels [3][4] Group 3 - Major insurance companies are establishing professional health management companies to create a comprehensive health ecosystem that supports their core business [4][5] - The new business model combines insurance, health services, and technology, aiming to shift from reactive medical care to proactive health management [4][5] - The future of the health insurance market is expected to see enhanced product value and competitiveness, reshaping the development model of health insurance [5]