Zhong Guo Xin Wen Wang·2026-01-28 06:53Core Viewpoint - The article emphasizes the ongoing development of China's multi-level medical security system during the "14th Five-Year Plan" period, highlighting the expanding role of commercial health insurance in meeting public health needs and enhancing service quality [1][2]. Group 1: Health Insurance Development - Since the "14th Five-Year Plan," the company has established a collaborative health insurance development framework, including medical insurance, nursing insurance, disability insurance, and critical illness insurance, launching over 350 health insurance products [2]. - The company has extended coverage to non-healthy populations and chronic disease groups, focusing on expanding coverage for the elderly, children, and newlyweds, ensuring comprehensive protection [2]. - A tiered medical insurance matrix has been formed, including inclusive medical, million medical, mid-range medical, and high-end medical insurance, catering to diverse protection needs [2]. Group 2: Service Innovation - The company has innovated a "health insurance + health management" service model, providing a full range of services including health consultation, medical assistance, health promotion, and rehabilitation care [3]. - By 2025, the company aims for health insurance claims to exceed 78.8 billion yuan, with a focus on improving claims efficiency and customer service through digital transformation [3]. - The introduction of a "critical illness one-day claim" green channel ensures that eligible claims are processed on the same day, with over 1.06 billion yuan in claims serviced for 234,000 customers by 2025 [3]. Group 3: Future Outlook - Looking ahead to the "15th Five-Year Plan," the company plans to focus on enhancing the multi-level medical security system, emphasizing the supplementary role of commercial insurance and implementing health-first development strategies [4]. - The company aims to enrich product offerings, enhance service experiences, and strengthen digital operations and risk management capabilities to provide warmer health insurance services [4]. - The company remains committed to the principle of "insurance for the people," responding to industry development challenges and public health expectations, contributing to the health of the nation [4].