杨柳曳：从“保健康人”向“保人健康”转变带来寿险公司产业布局新变革

Core Viewpoint - The conference hosted by Tsinghua University Wudaokou School of Finance focused on the theme of "New Industries, New Technologies, New Models, New Dynamics - Digital Finance Supporting High-Quality Development," highlighting the importance of digital finance in promoting economic growth and innovation in various sectors [1]. Group 1: Health Insurance Development - The shift in health insurance from financial compensation to service provision and health management is driven by changes in customer needs and market dynamics, particularly after the implementation of the medical insurance DRG reform [2][4]. - The middle-end medical market is emerging as a key focus for life insurance companies, emphasizing the need for product development that integrates high-quality medical services and health management [2][5]. - The transition from "protecting healthy individuals" to "ensuring individuals' health" represents both a challenge and an opportunity for life insurance companies, necessitating innovation in product offerings and service delivery [3][5]. Group 2: Market Trends and Customer Needs - There has been a notable change in customer demand for health insurance, with a growing recognition of the importance of quality medical services beyond basic coverage, influenced by the establishment of a multi-tiered medical payment system [3][4]. - The development of middle-end medical insurance is closely linked to the evolution of consumer demographics and economic cycles, with an increasing number of customers willing to invest in higher-quality medical care for themselves and their families [6][7]. - The future of middle-end medical insurance requires efforts in three areas: educating customers about commercial health insurance, designing specialized products that meet new market demands, and enhancing health management services to promote overall well-being [7][8].