众惠相互2025年三季度业绩发布：健康险主业领跑，机制赋能普惠保障

Core Viewpoint - The company, Zhonghui Mutual Insurance, has demonstrated significant growth and profitability through its unique mutual insurance model, aligning with national health strategies and promoting inclusive finance [1][2]. Business Performance - As of the third quarter of 2025, Zhonghui Mutual Insurance achieved a premium income of 358,169.89 million yuan, reflecting steady growth and a strong alignment with market demands [2]. - The company exhibits a three-dimensional positive trend characterized by stable premiums, robust profitability, and quality optimization [2]. Growth Drivers - The growth is driven by a dual strategy of underwriting and investment, focusing on the health insurance segment and developing specialized products for patients with pre-existing conditions [3]. - The company has launched over 100 exclusive products targeting specific health issues, filling significant market gaps [3]. Digital Transformation - Zhonghui Mutual has advanced its digital operations by implementing various projects such as data warehouses and AI-driven platforms, enhancing service efficiency and customer experience [4]. - The company has achieved a nearly 95% online reporting rate and a 99% case closure rate within one day, significantly improving claims processing [4]. Policy Response - The company is actively responding to regulatory initiatives aimed at enhancing health insurance services, particularly for patients with chronic conditions [4][5]. - As of September 30, 2025, health insurance accounted for over 96.3% of the company's premium income, demonstrating its commitment to being a true health insurance provider [5]. Product Development - Zhonghui Mutual has developed a comprehensive range of insurance products for chronic kidney disease patients, addressing significant coverage gaps in the market [5][6]. - The company has also introduced innovative health management services that improve patient outcomes and reduce healthcare costs [6][7]. Ecosystem Approach - The company has created a holistic ecosystem for chronic disease management, integrating insurance coverage with healthcare services to enhance patient care [7]. - Zhonghui Mutual's initiatives in liver disease insurance further exemplify its commitment to comprehensive health management and patient support [7]. Mechanism Advantages - The mutual insurance model provides a sustainable framework for inclusive finance, focusing on the needs of specific groups such as the elderly and chronic disease patients [8][9]. - The company has established a governance structure that allows member participation in decision-making, enhancing service quality and member satisfaction [9]. Future Outlook - With the ongoing implementation of inclusive insurance policies and the "Healthy China" strategy, Zhonghui Mutual aims to continue its path of inclusive development and create more value for its members [9].