“医保+商保”融合再添新范例 友邦加速上海医保个账支付场景落地

Core Insights - AIA Life Insurance Co., Ltd. has launched the "AIA Smart Choice Medical Insurance," which allows Shanghai employees to use their personal medical insurance accounts for premium payments, enhancing the integration of basic medical insurance and commercial health insurance [1][2] Policy Guidance - The Chinese government has been promoting the development of a multi-tiered medical insurance system, as indicated by policies like the "Healthy China 2030" plan and the new "National Ten Articles" for the insurance industry [2] - Shanghai's local government has responded by expanding the use of personal medical insurance accounts, facilitating the integration of basic medical insurance with commercial health insurance [2] Product Innovation - The "AIA Smart Choice" medical insurance features a "core coverage + personalized configuration" model, providing comprehensive medical coverage [3][4] - The core coverage includes hospital medical expenses, outpatient emergency responsibilities, and a maximum payout limit of 5 million yuan, addressing high medical costs [3] - The product also offers additional options for outpatient and global specialty drug coverage, enhancing patient choice and quality of care [4] Payment Innovation - The opening of the personal medical account payment channel allows for more efficient use of medical insurance funds, enabling family coverage without additional cash outlay [5][6] - This initiative transforms idle medical funds into enhanced family health protection, lowering the barriers to purchasing commercial insurance [6] Service Upgrade - AIA has developed a professional marketing team to provide comprehensive support for policyholders, ensuring a smooth understanding of the insurance process and product details [6] - The service model emphasizes a full-cycle approach, including policy planning, claims assistance, and health consultations, enhancing the overall customer experience [6] Future Outlook - AIA Life Insurance aims to continue innovating in health protection products and services, aligning with national healthcare goals and addressing public needs [7]