计算机行业点评报告：数据要素赋能医保新增量

Investment Rating - The industry investment rating is "Positive" (maintained) [3] Core Insights - The National Healthcare Security Administration (NHSA) emphasizes the importance of commercial health insurance as a key component of the multi-tiered medical security system, which is crucial for meeting the diverse medical security needs of the public [2] - In 2023, the premium income of commercial health insurance in China was approximately 900 billion yuan, but the overall claims ratio needs improvement. The industry faces challenges such as information asymmetry, high marketing and underwriting costs, low claims ratios, and difficulties in combating fraud [2] - The NHSA is exploring policies to empower commercial insurance companies with healthcare data, aiming to reduce underwriting costs and enhance claims levels, guiding the differentiated development of commercial insurance and basic medical insurance [2] - The Shanghai Healthcare Bureau has initiated comprehensive support for the development of commercial health insurance, focusing on product positioning, innovation, sales optimization, data empowerment, and awareness cultivation [2] - The integration of healthcare data between basic medical insurance and commercial insurance is expected to provide opportunities for digitalization and intelligence in the healthcare sector, benefiting healthcare IT companies [2] Summary by Sections Section: Data Empowerment in Healthcare - The NHSA's recent announcements indicate a strong policy support for data empowerment in the commercial insurance sector, which is expected to be implemented across various regions [2] - The development of data elements in the healthcare and commercial insurance sectors may take precedence over other data industries due to clear linkages and defined scenarios [2] Section: Shanghai's Support for Commercial Health Insurance - Shanghai's healthcare and financial regulatory bodies have reached a consensus on the positioning of commercial health insurance products, focusing on self-paid medical expenses not covered by basic medical insurance [2] - The city is working to reduce sales costs by linking government platforms with insurance sales channels and leveraging internet traffic for third-party platform sales [2] - Future efforts will include improving the cooperation and utilization of healthcare data resources to support product development, precise pricing, and rapid claims processing [2] Section: Related Companies - Potential investment targets include Shanda Dihui, Jiuyuan Yinhai, Guoxin Health, Dongsoft Group, Bosi Software, Wanda Information, Chuangye Huikang, Jiahe Meikang, and Zhongke Jiangnan [2]