商业健康保险：转型需聚焦保障、需求、服务三大方向

Core Insights - The report by Fudan Allianz Financial Center highlights the transformation of commercial health insurance from a "marginal supplement" to an "ecological collaborator" in China's healthcare system [1] Group 1: Key Directions for Transformation - The report identifies three main directions for commercial health insurance to focus on: covering high costs not included in basic medical insurance, addressing the differentiated needs of specific groups such as chronic disease patients, and providing a higher quality medical service experience [1][1][1]