保险延伸健康管理服务

Core Insights - ZhongAn Insurance has launched the upgraded "Zunxiang eSheng 2026" million medical insurance product, focusing on "treatment + rehabilitation" to extend coverage to critical post-operative recovery stages, promoting a shift towards "full-process health services" [1] - The demand for health insurance has been increasing among the public, highlighting its importance as a key product in connecting the healthcare industry and reinforcing the social security network [1] - The National Financial Regulatory Administration has issued guidelines to promote high-quality development in health insurance, advocating for a new health service guarantee system that integrates prevention, management, and post-coverage [1] Health Management Services - Post-operative rehabilitation costs can be as high as acute treatment costs, creating a financial burden for families, which underscores the need for comprehensive health management services [2] - Health management services provided by insurance companies include pre-consultation, in-treatment assistance, and post-treatment support, creating a closed-loop management system from acute treatment to rehabilitation [2] - The "Zunxiang eSheng 2026" product has implemented direct payment for rehabilitation medical expenses in several designated hospitals, enhancing accessibility and convenience for patients [2] Market Trends - In the first half of 2025, national health insurance premium income exceeded 620 billion yuan, indicating significant growth in the sector [3] - Health management services are expanding to include various offerings for chronic disease patients, such as appointment scheduling, remote consultations, and rehabilitation guidance [3] - The integration of health management with health insurance is driving a shift from traditional reimbursement models to managed care approaches [3] Industry Insights - Health management services are seen as a win-win for insurance companies and policyholders, allowing insurers to either purchase third-party services or develop their own systems [4] - By enhancing health management capabilities, insurance companies can provide a comprehensive service model that includes medical, pharmaceutical, rehabilitation, and insurance elements, while also leveraging data for product innovation [4]