Hua Xia Shi Bao·2025-12-24 06:28Core Viewpoint - The essence of commercial health insurance is not risk compensation but a systematic extension of health management, reflecting the core logic of the insurance industry's transformation and China's exploration of the "insurance-medical collaboration" strategy [1][3]. Group 1: Health Insurance Transformation - China Ping An is shifting from "post-claim" to "prevention, management, and rehabilitation," using insurance as a lever to initiate a health service revolution that covers the entire life cycle [3][4]. - The "Health China 2030" plan emphasizes the transition of healthcare services from a disease-centered approach to a health-centered one, creating a new historical mission for commercial health insurance [4]. - Ping An Health Insurance has proposed a dual-driven strategy of "health insurance + medical services," launching a digital health management platform in 2024 to provide continuous health support [4][6]. Group 2: Service Efficiency and Cost Savings - The "three savings" concept—saving worry, time, and money—underpins Ping An's health insurance collaboration system [5]. - The "post-hospital rehabilitation follow-up" project exemplifies professional closed-loop services, providing personalized training plans and real-time supervision for patients [6]. - Digital integration has reduced outpatient revisit frequency by 30%, and the time from accident report to hospitalization has been accelerated by 80% [6]. - Patients receiving follow-up care save an average of over 2000 yuan in medical expenses, while targeted rehabilitation interventions in auto insurance cases save an average of 22,000 yuan per case [6]. Group 3: Comprehensive Service Network - Ping An has established a vast service network through collaboration with Peking University Medical Group, including hospitals, rehabilitation centers, and health management centers across the country [7]. - Innovations such as "no companion wards" and "healthcare on wheels" are designed to meet the "three savings" goals, ensuring that insurance services are effectively implemented [7]. Group 4: Smart Rehabilitation and Long-term Care - The opening of Shenzhen Beida Rehabilitation Hospital marks a significant step in Ping An's "insurance-medical-health" ecosystem, featuring a family-oriented and intelligent rehabilitation environment [8][10]. - The hospital aims to provide seamless services by integrating medical insurance, commercial insurance, and cross-border insurance payment channels [10]. - Ping An is focusing on preventive health management, particularly for chronic diseases and the elderly, by developing specialized insurance products and integrating advanced healthcare technologies [10][11]. Group 5: Broader Vision and Commitment - Ping An's approach emphasizes that the ultimate value of insurance lies in extending life quality and safeguarding health dignity, moving beyond mere risk transfer [11]. - The company is building a comprehensive health ecosystem that encompasses prevention, diagnosis, rehabilitation, and elderly care, positioning insurance as an active health manager [11]. - The vision is to ensure that everyone can age healthily and gracefully, reflecting Ping An's commitment to the "Healthy China" strategy through the integration of finance, technology, and healthcare [11].