泰康在线引领健康险高质量发展：从保障支付到全生命周期健康生态

Core Insights - The article highlights the transformative role of commercial health insurance in addressing healthcare disparities and reducing patient burdens, particularly in the context of the "Healthy China 2030" strategy and ongoing healthcare reforms [1][2] Group 1: Regulatory Guidance and Market Needs - The development of high-quality health insurance is significantly influenced by regulatory policies aimed at expanding coverage and enriching product offerings for patients with pre-existing conditions [2] - Traditional insurance products primarily focus on healthy individuals, but nearly 40% of the population has health issues, indicating a gap in coverage for patients with chronic diseases and tumors [2][3] Group 2: Product Innovation - In response to rising breast cancer rates, the company launched the "Pink Guardian" insurance product in 2022, providing specialized coverage for post-operative patients and filling a market gap for patients with pre-existing conditions [3] - The "Pink Guardian" product has undergone six iterations by March 2025, now covering all 58 domestic innovative breast cancer drugs with a reimbursement rate of 100% [3] Group 3: Service Integration - The company emphasizes a shift from traditional compensation models to an "insurance + service" approach, addressing gaps in disease prevention, treatment assistance, and rehabilitation [4] - A comprehensive health management solution is provided, including basic health management and high-end medical services, to meet diverse consumer health needs [4][5] Group 4: Payment and Service Model - The "payment + service" model is identified as a key innovation in health insurance, reflecting a shift in consumer expectations from merely financial risk coverage to seeking quality medical service solutions [6][7] - The company has developed a disease management system that utilizes data and technology to provide proactive health management services throughout the healthcare continuum [7][8] Group 5: Ecosystem Collaboration - The integration of health insurance with the pharmaceutical industry is crucial for achieving the goal of "protecting people's health," necessitating collaboration across various sectors [9] - The company has established a health protection ecosystem that links insurance payments, medical services, and pharmaceutical supply, facilitating mutual benefits and collaborative development [9][10]