白桦：圆和医疗——基于学科研转化的全球健康管理领先者

Group 1 - The core theme of the 20th China Insurance Innovation Forum is "Co-creation and Symbiosis," focusing on how medical services can empower the insurance industry [1][12] - Bai Hua, Chairman and CEO of Yuanhe Medical, emphasized that traditional insurance companies struggle to participate in the medical service process, leading to limited cost control effectiveness [1][12] - Yuanhe Medical holds a 47.8% market share in the non-public medical market in the UK, with 57 hospitals, including 37 general hospitals and 20 specialized hospitals [4][15] Group 2 - The healthcare system in Europe and the US differs significantly from China's, with quality clinical resources held by experts rather than institutions [4][15] - Yuanhe Medical was founded by over 3,000 medical experts who recognized the limitations of medical capabilities and established a managed care model to intervene early in diseases [5][16] - The UK government has transferred public healthcare services to professional institutions, with Yuanhe Medical being the first to manage the public healthcare system [6][17] Group 3 - The essence of insurance is as a payer, and controlling costs is a critical issue; however, the relationship between healthcare providers and insurers often leads to a confrontational dynamic [6][17] - The transition to a 2.0 phase involves controlling disease occurrence rather than relying on patient illness for profit, aligning the values of medical service providers with those of insurance companies [6][18] - Centene Corporation's acquisition of Yuanhe Medical allowed it to enter the European market, focusing on health insurance, which has become a primary direction for the insurance industry in Europe and the US [8][19] Group 4 - In 2024, Yuanhe Medical underwent significant changes with its major shareholder becoming Pure Health, a sovereign fund from the UAE, which also controls a large US healthcare group [9][20] - Pure Health is investing heavily in drug research and development, becoming a significant player in the global biopharmaceutical investment landscape [20][21] - The UAE has established the world's first comprehensive "Longevity Health Management" medical guidelines, reflecting a shift towards preventive health management [21][22] Group 5 - The core of high-end medical insurance lies in cost control, which is challenging for insurance companies that cannot directly engage in medical services [11][22] - Many insurance companies invest heavily in value-added health insurance services, but the effectiveness in improving client health outcomes and reducing claims remains questionable [11][22] - There is a need for deeper collaboration between insurance companies and medical service providers to enhance customer service experiences and better control costs [11][22]