专家：发展带病体保险是保险业扩大覆盖面、服务民生保障的关键举措

Core Insights - The report highlights a significant protection gap for individuals with pre-existing conditions in China, particularly among the younger population, where the prevalence of chronic diseases is twice that of the elderly [1] - The development of insurance products for individuals with pre-existing conditions is essential for expanding coverage and improving public welfare, necessitating innovation in product offerings and the use of AI and big data for better risk assessment and management [1][2] Group 1 - The report indicates that the chronic disease incidence among the youth is twice that of the elderly, signaling a shift in disease patterns that demands innovative insurance solutions [1] - Individuals with pre-existing conditions face challenges such as limited product options, increased premiums, and insufficient coverage, highlighting the need for tailored insurance products [1] - The former vice chairman of the China Insurance Regulatory Commission emphasized that developing insurance for individuals with pre-existing conditions is crucial for enhancing the insurance industry's coverage and service capabilities [1] Group 2 - The assistant secretary-general of the Beijing Insurance Industry Association noted that the insurance sector must evolve to meet changing consumer demands, focusing on proactive service integration and improved accessibility and satisfaction [2] - The CEO of Waterdrop Company stated that AI is not only a tool for efficiency but also a key driver for achieving universal insurance coverage, particularly for underserved groups such as the elderly and those with pre-existing conditions [2] - Waterdrop has launched 214 insurance products for individuals with pre-existing conditions by 2025, with 34 being first-of-their-kind in China, demonstrating a commitment to innovation and accessibility in insurance offerings [2] Group 3 - At the conference, Waterdrop and 18 insurance companies formed the "Inclusive Product Alliance" to address the insurance needs of specific demographics, including those with pre-existing conditions, the elderly, and mothers and infants [3] - The alliance aims to leverage AI and collaborative product development to promote inclusive insurance services, aligning with the strategy of leading new supply through new demand [3]