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 enhancing the quality of economic growth in China [1]. Group 1: Industry Trends - The Chinese commercial health insurance industry is undergoing profound changes, transitioning from a supplementary role to a complementary relationship with the basic medical insurance system, thereby participating deeply in the construction of a multi-tiered medical security system [2][4]. - The mutual insurance model is positioned as a crucial "adhesive" between social security and commercial insurance, aligning with the public welfare direction of China's healthcare reform [2]. Group 2: Market Dynamics - The medical insurance market is experiencing structural changes due to healthcare payment reforms, shifting the development logic from "supplementary" to "complementary," with commercial insurance focusing on differentiated areas such as outpatient drugs and mid-to-high-end services [4][5]. - The mutual insurance model's "co-construction, co-governance, and sharing" mechanism fills the gap between social security and traditional commercial insurance, creating a new type of security system through collaborative platforms and ecological synergy [5][6]. Group 3: Challenges and Innovations - The insurance industry faces a core dilemma of mismatched products and user needs, with traditional sales methods often leading to misunderstandings due to product complexity [7]. - The company is focusing on risk reduction for specific groups, such as potential liver disease patients, by developing innovative insurance products that enhance patient compliance and reduce economic burdens [6][7]. Group 4: Future Directions - The company aims to evolve medical health insurance from risk compensation to risk reduction, contributing to the "Healthy China 2030" initiative by leveraging technology for precise matching and continuous engagement with members [7].

Core Viewpoint - Shanghai Meixin Health Technology Group Co., Ltd. has submitted its prospectus for an IPO in Hong Kong, aiming to leverage its position as a leading multi-payment platform in the pharmaceutical sector [1] Company Summary - Established in 2017, Meixin Health is recognized as a prominent multi-payment platform in China, focusing on pharmaceutical and insurance solutions [1] - The company has developed two major solutions: "Smart Medicine" and "Smart Insurance," catering to pharmaceutical companies and insurance firms respectively [1] - By 2024, Meixin Health is projected to be the largest provider of innovative pharmaceutical solutions and health insurance solutions in China, with approximately 393 million serviced policies and partnerships with over 140 pharmaceutical companies and 90 insurance firms [1] Financial Performance - Revenue figures for Meixin Health from 2022 to 2024 are projected to be 1.069 billion yuan, 1.255 billion yuan, and 2.035 billion yuan respectively, indicating significant growth [1] - Gross profit for the same period is expected to be 332 million yuan, 461 million yuan, and 729 million yuan, showing a clear upward trend [1] - The company is currently operating at a loss, but adjusted net losses are expected to decrease from 447 million yuan in 2022 to 290 million yuan in 2023, and further to 80 million yuan in 2024, indicating improving operational efficiency [1] Industry Outlook - The innovative pharmaceutical market in China is forecasted to grow from 162 billion yuan in 2024 to 410.2 billion yuan by 2030, with a compound annual growth rate (CAGR) of 16.7% [1] - The commercial health insurance market is anticipated to expand from 977.3 billion yuan to 2.36 trillion yuan, with a CAGR of 15.8% [1] Strategic Initiatives - Meixin Health plans to enhance its market position through deepened collaborations and the development of its payment platform [1] - The net proceeds from the IPO will be allocated towards service upgrades, platform development, and infrastructure strengthening [1] Market Context - The IPO of Meixin Health is part of a broader trend of insurance service companies going public, with seven related companies either listed or awaiting listing this year [1] - The recovery in market valuations is also a contributing factor to the company's decision to go public, as evidenced by the significant stock price increase of Zhongmiao Holdings after its IPO [1]

完成IPO前最后一轮融资后的估值为116.775亿元人民币。 本文为IPO早知道原创 作者｜ Stone Jin 微信公众号｜ipozaozhidao 据 IPO早知道消息， 上海镁信健康科技集团股份有限公司 （以下简称 " 镁信健康 "）于2025年6月30日正式向港交所递交招股说明书，拟主板挂牌上 市，高盛、中金公司和汇丰担任联席保荐人。 成立于 2017年的 镁信健康致力于解决患者、保司与药企面临的筹资与支付挑战，助力推动中国医疗支付体系变革。根据弗若斯特沙利文的资料，镁信 健康 现已成为 中国最大的医药多元支付平台 。 截至 2024年12月31日，镁信健康 基于自己的 解决方案累计为患者节省自付费用约 67亿元。 截至目前， 镁信健康 已 开发了两大行业解决方案： 其一、 智药解决方案 ： 为药企提供了药品全生命 周期 的商业化方案，帮助药企整合多元支付方 。 根据弗若斯特沙利文的资料，以 2024年GPV计算，镁信健康在中国创新药械解决方案提供商之中排名第一。 其二、 智保解决方案整合自有 AI技 术、更优质的医疗健康资源，为保司提供端到端方案，推动健康险创新。根据弗若斯特沙利文的资料，以2024 ...

图为张伟 主旨演讲 欧阳卫民：数智金融为科创企业添砖加瓦 欧阳卫民表示，近年来，数智金融得到了快速发展并极大提升了金融服务实体经济的品质和 能力。从企业类型看，国内顶级科创企业有央企，有地方国企，也有很多民营企业。数智金 融精准支持科创企业：一是数智信贷贷到企业的心坎上，满足企业需求，提供适配的金融产 品和服务；二是数智服务利用大数据等手段，为企业提供多元质押贷款等，扩大互信，让银 行敢作敢为；三是数智资本让融资不再拐弯抹角，拓宽融资渠道，强化资本市场功能，提高 直接融资比重和适配性。 2025年6月27日，清华大学五道口金融学院受邀在第14届中国（广州）国际金融交易·博览会上举办 主旨会议。会议以"新产业、新技术、新模式、新动能——数智金融助力高质量发展"为主题，为期1 天，设置主旨演讲、高端对话、主题发言和圆桌交流环节。多位来自金融、保险、法律与健康产业 领域的顶尖学者和资深从业者，围绕普惠金融发展、数智化金融创新、产业并购机遇及健康险生态 合作等话题进行了深入交流。会议由广东卫视主持人吴荻主持。 图为会议现场 会议由清华大学五道口金融学院党委委员、院长助理，《清华金融评论》执行主编 张伟 代表主办方 致 ...

NNN. （图片来源：视觉中国） 蓝鲸新闻6月27日讯（记者 石雨）告别同质化、 "泛寿险化"困局，健康险在DRG（疾病诊断相关分组）改革倒逼下迎来转型窗口期。 记者关注到，面对医疗支付模式变革催生的消费者需求升级，多家险企近期争相"上新"，将创新火力集中在扩容药品目录、扩大保障人群、突破场景限制等 核心领域。 业内指出，健康险分层发展趋势明朗，各层边界动态融合，而险企亟需提升数据应用、药械整合及健康服务生态构建能力，以应对产品设计、精算定价等新 课题，在窗口期中抢占先机。 健康险"货架"密集升级上新 从早年复合增长率30%的急速步调，到近年来的出现失速表现。DRG改革的背景下，存在"泛寿险化"、同质化问题的健康险必须走出"舒适圈"。 近期，记者注意到，多家保险公司密集"上新"健康险，从产品责任、保障人群、增值服务等方面升级。 政策导向、市场教育、保障需求、供给货架丰富等因素共同驱动健康险市场发展，而其中，尤为值得一提的是，关于DRG改革是倒逼产品创新的重要因素 已成为行业共识。 随着药品集中采购、DRG（疾病诊断相关分组）/DIP（病种分值付费）等医疗体制改革的深入推进，居民的就医方式和就医费用正发生深远改 ...

Group 1 - Chinese enterprises in high-tech, new energy, semiconductors, and advanced manufacturing are accelerating their global expansion, leading to an increased demand for cross-border medical insurance for employees [1] - The partnership between Sipai Health Technology and Aon is aimed at addressing the health insurance needs of Chinese companies operating overseas, ensuring efficient medical support for employees abroad [1] - A joint working group has been established to implement specific projects and resource collaboration between Sipai Health Technology and Aon [1] Group 2 - The importance of commercial health insurance is growing as it becomes a crucial supplement to basic medical insurance, especially in the context of an aging population and rising health awareness [2] - Corporate group health insurance is a key driver of rapid growth in China's health insurance market, with the premium scale surpassing 200 billion yuan in 2023 [2] - The collaboration between Sipai Health Technology and Aon aims to create a data-driven health insurance development mechanism, exploring new opportunities and customized solutions for Chinese enterprises [2]

保障责任更广：针对准妈妈，保障涵盖怀孕期间25种常见的一般妊娠并发症、17种严重的妊娠并发症和 流产，以及难产和保险期间内的严重产后抑郁症；针对新生儿，保障涵盖10种器官的畸形矫正手术和5 种特定损伤，此外还覆盖新生儿的保温箱治疗、唐筛假阴性风险和保险期间内的夭折。 增值服务更全：从孕期、产后到新生儿时期，提供准妈妈陪检服务、产后出院专车接送、儿科医院专家 门诊等六大特色增值服务，为准妈妈产前产后提供全流程安心守护。 互联网加持，释放普惠、普及双能效 近三年来，我国健康险市场产品结构呈现显著分化趋势，其中重疾险的占比从2022年的18%上升至2024 年的25%。更多保险产品针对客户需求，优化产品设计，为消费者提供更便捷优质的保障，成为国民健 康的坚实护盾和全周期守护者。 对此，国泰产险将"客户第一"的理念摆在工作首位，首要考虑孕妇生育和新生儿的双重保障，创新推 出"幸孕儿·母婴疾病险"，实现从怀孕到生产全流程精细化孕产普惠体系的搭建，提高家庭"敢生、愿 生、能生"的育儿信心，助力推广三胎政策实施落地。 "三重守护"，覆盖生育各阶段保障需求 "一张保单、两份保障"。区别于传统母婴保险保障触发条件深、保障力度弱 ...

随着居民健康保障意识的持续提升，居民对创新药械、高端医疗的需求也在不断上升。 对于用户的这一需求，身为"网红炸子鸡"的百万医疗险也在迭代升级，将三甲医院的国际部、特需部和 部分私立医院以及部分院外创新药械纳入保障范围，以提升高品质医疗服务的可及性，更好满足民众的 多元化需求。 近日，《华夏时报》记者从业内了解到，有互联网保险平台已经进行了产品升级，首次将全国470家三 甲医院的国际部、特需部和部分私立医院纳入保障范围，癌症等特定疾病在上述先进医院住院治疗也可 获得保障。 "医保+商保"：打开健康险新空间 在我国，城镇职工基本医疗保险、城镇居民基本医疗保险和新型农村合作医疗是三项具有社会保险性质 的基本医疗保障制度。作为世界上最大的医疗保障网，我国医疗保障体系以基本医保为基石，已实现超 广覆盖。 2024年，我国基本医保参保率稳定在95%，且覆盖面持续扩大、医保保障不断"扩围"。 国家医保局发布的《2024年医疗保障事业发展统计快报》显示，2024年，国家医保药品目录新增91种药 品，目录内西药和中成药总数共3159种；职工和居民医保门诊享受待遇人次双双突破30亿；门诊慢特病 的跨省异地就医直接结算病种从5种增 ...

随着人口老龄化加速和医疗健康支出持续增长，商业健康险已成为缓解政府和个人支付压力的关 键。 当前行业面临严峻挑战 2021-2023年，我国健康险年均增速仅为3.4%，远低于同期人身险公司6.03%的年均增速；产品同 质化严重与带病体保障、高端医疗等分层需求形成尖锐矛盾；创新药械发展更凸显多元化支付体 系的紧迫性。 在此背景下，新国十条明确要求推动"医+药+险"深度融合，国家金融监管总局也强调要促进健康 险与健康产业链协同，从单纯理赔转向全流程健康管理。这预示着，通过生态合作构建智能化的 服务网络，可以有效破解健康险发展瓶颈，满足用户对"保障+服务"一体化解决方案的期待。 健康险如何破局 近日，由清华大学五道口金融学院《清华金融评论》编辑部主办的第二届"保险家论道"研讨会暨 中国保险竞争力排行榜发布会在北京成功举办。会议上，多位来自国内保险领域的顶尖学者和资 深从业者，围绕"商业健康险的破局与未来"主题展开深度对话。 华泰人寿首席市场官李明明表示，商业健康险的发展应紧密围绕客户健康保障责任，医疗险创新 需聚焦中端医疗，重疾险注重细分核心病种，避免"大而全"设计，以更合理的价格满足大众保障 需求。服务方面，要强 ...

6月19日，蚂蚁保宣布对其"好医保"系列产品进行升级。2025年版产品首次将全国470家三甲医院的国际 部、特需部及部分私立医院纳入保障范围，为癌症等特定疾病患者提供更全面的医疗保障。 同时，业内专家建议，消费者在选择商业健康险产品时，应重点关注保障范围、续保条件和理赔服务三 个维度，了解其综合赔付率，并根据自身健康状况和医疗需求理性选择。 来源：北京日报客户端 记者：袁璐 如遇作品内容、版权等问题，请在相关文章刊发之日起30日内与本网联系。版权侵权联系电话：010-85202353 记者了解到，此次升级主要针对当前医疗保障体系中的三个痛点：基本医保对高端医疗服务的覆盖不 足；部分创新药品和诊疗技术尚未纳入医保目录；重大疾病患者的长期保障需求。新版产品不仅扩大了 医院覆盖范围，还新增了1500多种药械报销，其中包括全目录进口药和近400种原研药，提升了保障力 度。 值得注意的是，针对癌症及11种高发心血管疾病，新版产品提供终身保证续保服务。这意味着一旦确 诊，患者将获得持续终身的医疗保障，解决了既往部分商业保险"续保难"的问题。在服务范围上，以质 子重离子治疗为例，新版保险将覆盖医院从上海单一机构扩展至全国1 ...