（来源：经济参考报） 复旦大学经济学院风险管理与保险学系副教授、绿色金融研究中心研究员陈冬梅接受《经济参考报》记 者专访时表示，随着"十五五"规划建议提出"加快建设健康中国"，企业健康保障已完成从"行政成 本"向"战略投资"的转变，迎来历史性发展机遇。 陈冬梅是《2025中国企业健康保障发展白皮书》（以下简称"白皮书"）指导专家之一，她认为，当前我 国社会保障体系面临老龄化、慢病负担加重、医疗费用持续攀升等多重挑战，企业健康保障作为连接国 家基本保障与个人保障的桥梁，不仅承载着完善社会保障网络的责任，更成为推动经济高质量发展的重 要支撑，其价值已超越传统福利范畴。 在她看来，企业健康保障的战略意义主要体现在三个层面：一是通过构建多层次保障体系，弥补基本医 疗保险的不足，缓解国家财政压力；二是成为企业吸引和留住人才的核心竞争力，员工健康直接关系到 企业的创新活力与运营效率；三是借助风险共担机制稳定企业人力成本预期和增强企业经济韧性。 "我国社会保障政策正经历从'广覆盖'向'优结构'的深刻转型，企业健康保障迎来历史性发展机遇。"陈 冬梅强调说，数字化转型正推动企业健康保障从"事后赔付"向"预防－治疗－康复"的"全 ...

（来源：经济参考报） 随着我国步入高质量发展阶段，企业健康保障已从一项"行政成本"，转变为关乎人才竞争与组织发展 的"战略投资"，并迎来历史性发展机遇。 日前，招商信诺人寿保险有限公司（以下简称"招商信诺"）携手新华社旗下经济参考报/新华健康平台 （以下简称"新华健康"）发布的《2025中国企业健康保障发展白皮书》（以下简称"白皮书"）揭示了这 一关键转变， 并认为行业已进入"垂直化、精准化"深耕期，"千企千面"的差异化解决方案至关重要。 南开大学卫生经济与医疗保障研究中心主任朱铭来教授则表示，中国商业健康保险正处于规模增长的关 键拐点，团体补充医疗保险改革是解决当前困境的重要突破口。"建议明确团体补充医疗保险的制度定 位，优化财税激励政策，并建立标准化产品体系；保险行业开发分层分类的团体补充医疗保险产品；搭 建公共数据和健康保险交易平台，提高市场服务效率、降低保险经营成本"。 核心发现：从"行政成本"到"战略资产" 据悉，白皮书由国家卫健委卫生发展研究中心、复旦大学、南开大学的权威专家共同指导编写，主要聚 焦企业健康保障体系的建设现状与发展趋势。 调研样本：从全球员工到本土企业 作为专业的大健康解决方案供应 ...

Core Insights - The "2026 Corporate Compensation Health Benefits Forum" was successfully held in Shenzhen, focusing on global health benefit trends, domestic policy responses, and corporate health solutions [1][4] - The forum highlighted the importance of employee health for organizational resilience and sustainable development, aligning with national strategies to prioritize health [1][2] Group 1: Company Strategies - Cigna's Asia Pacific CEO Robert Peat emphasized the introduction of the Cigna Care 2.0 program to optimize healthcare resource utilization and enhance service quality amid medical inflation challenges [3] - Cigna aims to establish a strong brand reputation in health services, focusing on integrating quality medical resources, innovating health management solutions, and building a professional health management team [2][3] Group 2: Industry Trends - The white paper "2025 China Corporate Health Benefits White Paper" was launched, analyzing the latest trends and practices in corporate health benefits, proposing comprehensive solutions centered around group insurance [4] - The evolution of corporate health insurance in China has transitioned through four stages, with current challenges including cost control and personalized solutions [3] Group 3: Health Needs and Innovations - Trends in employee health needs include younger onset of diseases, changes in workplace illness patterns, and the prevalence of nodules, indicating a shift in health management focus [5] - The forum incorporated interactive technology experiences, showcasing innovations in health services, such as video consultations and AI assessments, reflecting Shenzhen's technological advancements [5][6] Group 4: Financial Services Integration - China Merchants Bank provides a comprehensive financial service system for enterprises, including payroll, employee benefits, and human resource management, aimed at improving efficiency and reducing digital transformation costs [2][6] - The collaboration between Cigna and China Merchants Bank aims to empower enterprises and safeguard talent, contributing to the stable development of the real economy [6]