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顾育匡:高端医疗险的成功依赖于产品背后的服务和运营能力
清华金融评论· 2025-07-02 10:30
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 inclusive financial development and innovation in the health insurance sector [1]. Group 1: Health Insurance Development - The demand for high-end medical clients extends beyond basic medical services to include high-quality medical resources and health management services [2]. - Establishing a broad network of direct payment hospitals and enhancing operational capabilities are crucial for the success of high-end medical insurance [2][5]. - The market for mid-to-high-end medical insurance is expected to grow due to ongoing healthcare reforms and increasing consumer awareness [8]. Group 2: Company Strategies - The company has maintained a market share of over 30% in the high-end medical insurance sector since 2009, focusing on high-quality service and operational capabilities [5]. - The company has established 1,270 direct payment hospitals and partnered with 68 top hospitals in China, as well as over 2.2 million medical institutions globally [7]. - The company is shifting its product strategy towards floating interest rate products and health insurance, moving away from high-premium fixed-income products [9].