健康管理赛道悄然升温 医疗险成健康险市场新的支柱

Group 1 - The insurance industry 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 has significantly outperformed critical illness insurance, becoming the new pillar of the health insurance market [3][4] - The integration of health management services into health insurance is becoming more prevalent, with insurance companies establishing specialized health management firms [5][6] Group 2 - The DRG (Diagnosis-Related Group) and DIP (Disease-Related Payment) reforms are creating new opportunities for product innovation in commercial health insurance, contributing to the growth of medical insurance [2][6] - Insurance companies are shifting resources towards health-related businesses, focusing on one-year health insurance and health services, particularly in the mid-to-high-end medical insurance segment [2][6] - The establishment of a comprehensive health management service system is aimed at reducing disease and disability risks, transitioning from reactive medical care to proactive health management [8][9] Group 3 - Major insurance companies are setting up specialized health management companies to create a large health ecosystem that supports their core business [7][8] - The upcoming "National Ten Articles" policy aims to enhance health insurance service levels and promote the deep integration of commercial health insurance with health management [6][9] - The future of the health insurance market is expected to see enhanced product value and competitiveness, reshaping the development model of health insurance companies [9]