智通财经记者 | 吕文琦 在"健康中国"战略与医保控费双重驱动下，健康管理正成为保险业的新战场。老龄化加速、慢病高发让 传统的"事后赔付"模式难以为继，"主动健康"与"风险减量"成为新共识。 国家金融监督管理总局近日批复同意中国人民健康保险股份有限公司（以下简称"人保健康"） 出资2亿 元全资设立人保健康管理有限公司，这是总局成立以来批准的首家非金融子公司。这不仅意味着人保健 康"大健康"战略的再落一子，也让保险业拓展健康服务领域的步履更快。 从海外经验看，健康险走向健康管理，才能真正掌控风险和客户。如今中国保险业正加速复制并本土化 这种模式，保险公司是停留在"卖保单"的生意，还是进化为"全生命周期健康服务商"，或许已有答案。 人保健康方面表示，公司正构建"保险+健康服务+科技"的新商业模式，把健康管理服务作为风险减量 的重要手段，坚持健康保险和健康管理"双轮驱动"，打造覆盖全流程的健康管理服务体系，有效降低客 户发病和失能风险，助力从"被动医疗"向"主动健康"转变。 人保健康党委书记、总裁邵利铎称，获批设立子公司是具有里程碑意义的举措，新公司将建设覆盖全国 的自有医疗健康服务网络，升级集团统一的健康管理平台 ...

Core Viewpoint - The health management sector is emerging as a significant opportunity for the insurance industry, with major companies actively investing in this area to create a comprehensive health service ecosystem [1][4]. Group 1: Company Developments - On September 17, the China Banking and Insurance Regulatory Commission approved China People's Health Insurance Co., Ltd. to invest 200 million yuan to establish a health management subsidiary, holding a 100% stake [2][3]. - Other leading insurance companies, such as Taikang Insurance Group and China Merchants Jinling Life, have also established health management subsidiaries, indicating a broader trend in the industry [3]. Group 2: Market Potential and Strategy - The health management market holds significant potential, supported by policies encouraging the integration of health insurance and health management services [4][5]. - Health management services can enhance customer loyalty and meet the demand for personalized and continuous health management, aligning with the "Healthy China" strategy [4]. - The shift from pure insurance payouts to comprehensive health service provision is seen as a key strategy for insurance companies to remain competitive [4][5]. Group 3: Challenges and Considerations - The transition to an ecosystem-based competition in health insurance faces challenges, including balancing data sharing with privacy protection, ensuring service standardization, and matching costs with benefits [6]. - The initial high investment costs and long return periods (typically 5-8 years) pose profitability pressures for insurance companies, which often face short-term performance evaluation challenges [6]. - Companies are encouraged to focus on core areas with high demand and clear benefits, such as chronic disease management, and to leverage partnerships with medical technology firms to reduce costs through digital solutions [6].

从覆盖1.3亿肾病患者的全周期保险矩阵，到服务4.5亿慢肝人群的"惠肝保"，众惠相互通过深度定制产 品与普惠模式，让带病体、高风险群体不再是保障的"孤岛"，为多层次医疗保障体系建设提供了切实可 行的"众惠方案"。 政策破冰，实践先行 近期，国家医保局、国家卫生健康委联合印发的《支持创新药高质量发展的若干措施》（以下简称《若 干措施》）正式实施，标志着我国创新药保障体系进入"基本医保保基本、商保补充促创新"的双轨驱动 时代。 "治不起、管不好"是我国数亿慢性病患者的共同困境。面对基本医保覆盖有限、传统商保门槛过高的双 重挑战，保障体系亟须创新力量。以众惠财产相互保险社（以下简称"众惠相互"）为代表的相互保险机 构，凭借其独特的制度基因，正精准切入这一巨大空白。 可以说，众惠相互聚集慢性肾脏病患者"治不起、管不好"的痛点，一方面，精准锚定慢性病患者的核心 痛点，以覆盖全病程的深度定制产品，成功打破了传统商保对带病体的桎梏。 另一方面，不断完善健康管理服务内容，拓展服务领域和服务方式，为客户提供全方位、个性化的健康 保障解决方案，着力提升人民群众的获得感和满意度。 制度赋能，普惠创新 传统商业保险长期受困于风险控制 ...

Core Viewpoint - The strategic partnership between Sipai Health Technology and Arthur J. Gallagher aims to enhance the corporate group health insurance market in China through customized insurance solutions and improved risk management capabilities [1][2]. Group 1: Strategic Partnership - Sipai Health Technology and Arthur J. Gallagher have signed a five-year strategic cooperation agreement focusing on corporate group health insurance and reinsurance [1]. - The collaboration will leverage Sipai's resources in China and Gallagher's global insurance product design capabilities to create data-driven health insurance development mechanisms [1]. Group 2: Market Opportunities - There is a growing demand for cross-border medical insurance as Chinese companies expand internationally, prompting the need for overseas health protection solutions [2]. - The partnership aims to address the health insurance needs of foreign enterprises investing in China, capturing market opportunities in the health insurance sector [2]. Group 3: Implementation and Innovation - A joint working group has been established to ensure efficient implementation of the partnership and resource collaboration, focusing on innovation and customer-centric solutions in the health insurance field [2].