从“卖保险”到“管健康”，保险公司难在哪儿？

Core Insights - The insurance industry is transitioning from "selling insurance" to "managing health," driven by both internal demands for breakthroughs and external environmental challenges [1][2] - Major insurance companies are exploring diversified health management strategies, integrating technologies like AI, big data, and blockchain into their services [1][2] Group 1: Challenges in Transformation - Medical resource integration is a significant challenge due to the complexity and personalization of medical services, leading to difficulties in quality control and standardization [1][2] - The sustainability of business models is questioned as health management typically requires substantial upfront investment with delayed returns, making it difficult to transition from a "cost center" to a "profit engine" [2][3] - Compliance with data application regulations poses a challenge, as the collection and use of sensitive health data must adhere to strict legal frameworks, complicating the ability to leverage data effectively [2][4] Group 2: Strategic Recommendations - Companies should focus on enhancing professional capabilities and building high-quality service systems to address resource integration challenges, including establishing specialized medical management teams and monitoring service quality [3][4] - Innovation in business models is essential, with a need to broaden revenue sources and quantify the value of health management services to demonstrate their commercial viability [3][4] - Strengthening technology empowerment and compliance governance is crucial for effective data utilization, requiring the establishment of robust data management systems and partnerships with various stakeholders [4]