从“支付者”到“守护者”的战略升维，友邦人寿以全旅程健康服务重构保险价值

Core Insights - AIA Life Insurance has chosen to focus on "protection" as its core insurance principle, maintaining a commitment to traditional protection products like critical illness insurance despite the low interest rate environment and competition in the life insurance industry [1][5] - The company's new product launches, including the "Ying Ruyi" critical illness plan and "Zhi Xuan Yi Sheng" medical insurance, reflect a dual strategy of upgrading protection functions and deepening health services [1][6] - AIA's health management services are positioned as a strategic advantage in a market where health awareness is rising and aging populations are increasing, making comprehensive health management services essential for differentiation [5][6] Health Management Strategy - AIA's vision is to become the most trusted health management partner in China, integrating health services as a core component of its customer-driven business innovation [5][6] - The company has developed a comprehensive health service system that spans the entire health journey, addressing customer needs from prevention to rehabilitation [6][7] - AIA's health service ecosystem includes a network of over 1,400 medical resources, ensuring access to high-quality healthcare for its clients [7][8] Service Innovation and Integration - AIA's health service model emphasizes the importance of a professional service team that enhances the customer experience through personalized support [8][9] - The integration of health services with insurance products creates a comprehensive offering that combines financial protection with medical resources and rehabilitation support [10][11] - The collaboration between health management and insurance product teams ensures that customer needs are met effectively, enhancing the overall value proposition [11][12] Customer-Centric Approach - AIA's health management services have achieved high customer satisfaction, with a 95% satisfaction rate reported [12] - The company's "Ying Ruyi" service has successfully assisted nearly 130,000 clients since its launch, demonstrating the effectiveness of its integrated approach [12][13] - AIA aims to leverage technology and global medical resources to continuously improve its health management services, striving to meet the evolving needs of its customers [13]