南京，2025年10月29日 —— 今天上午，中国人民财产保险股份有限公司南京市分公司与江苏省中医院战略合作签约仪式在江苏省中医院体检中心隆重举 行。双方将充分发挥各自在金融保险与专业医疗领域的优势，共同探索"保险+医疗"创新服务模式，标志着两家机构合作共赢的新篇章正式开启。 签约仪式于9:30准时开始，由江苏省中医院党委委员、副院长吕东岭主持。人保财险江苏省公司党委委员、南京市分公司党委书记、总经理周文凯，江苏 省中医院党委书记方祝元等双方主要领导共同出席了仪式。 方祝元书记对合作寄予厚望，他强调双方合作应以党建为引领，实现"人民保险"与"人民保健"的深度融合。他特别指出，要在"警保医"联动机制上大胆创 新，同时在特需医疗、商业保险与公立医院合作模式等方面进行深入探索，旨在为人民群众构建一个全方位、多层次的健康保障体系。 人保财险南京市分公司理赔中心副主任郑毅介绍其在理赔服务与人伤案件处理方面的专业实力。江苏省中医院骨伤科副主任茆军则详细介绍了医院创伤中 心的高水平救治能力，凸显了其在严重创伤、骨伤疾病等领域的技术优势。 仪式上，周文凯总经理表示，此次与江苏省中医院这一头部医疗机构开展战略合作，将极大提升人 ...

爱心人寿心血管特定疾病医疗保险上线不久，就发挥了重大的作用。河北患者王先生，50岁，于工作期 间突发急性ST段抬高型心肌梗死，被紧急转运至河北梅奥心血管病医院，入院后，采用进口药物进行 治疗，手术过程中亦使用进口医用耗材。经专家诊疗，患者于一周后康复出院。据悉，该名患者手术总 费用花费55997.77元，医保能报销38065.64元，但是改名患者是爱心人寿心血管特定疾病医疗保险的购 买者，爱心人寿接到报案后迅速核实理赔，为客户报销1.8万元，不仅让客户实现不花自己一分钱治 病，还能得到北京专家的诊疗，并使用了进口药材。爱心人寿的稳定资金支持和快速赔付，也让患者赞 不绝口。 目前我国心血管疾病患者已超过3.3亿人，且呈现年轻化趋势，患病人群的死亡率持续上升。但是心血 管疾病如果能得到科学的预防和控制，就能大大降低发病几率，并降低死亡风险。爱心人寿心血管特定 疾病医疗保险就是为心血管疾病高发群体设计的保险，该产品聚焦心血管疾病的预防、治疗及康复环 节，致力于为河北地区人群提供更精准、专业的健康保障。这一创新产品的推出，填补了河北省在心血 管特定疾病保险领域的空白，为河北居民的健康防护网增添了重要一环。 随着大众健 ...

Core Viewpoint - Junlong Life Insurance is experiencing rapid growth but faces significant challenges, particularly in risk management and market positioning as it expands into Shanghai amidst a contracting industry landscape [2][5]. Industry Overview - The insurance industry has seen a contraction in branch offices, with 971 closures in 2020, doubling to 2,197 in 2021, peaking at 2,966 in 2022, and reducing to 2,065 in 2023. The trend is expected to continue into 2025, with 946 closures in the first five months of 2023 [3][4]. Company Strategy - Junlong Life Insurance, established in 2008, has positioned itself as a product-driven insurer focusing on "insurance + healthcare" and has launched several innovative products, including the "Little Qinglong" critical illness insurance series [4][5]. - The opening of the Shanghai branch is seen as a strategic move to enhance regional operations and market penetration, particularly targeting the elderly and youth demographics with tailored financial products [4][5]. Financial Performance - Junlong Life's total assets have grown from 1.8 billion to over 10 billion from 2020 to 2025, marking it as a rising player in the market [5]. - The company reported a core solvency ratio of 132.67% and a comprehensive solvency ratio of 181.41% as of mid-2023, although these figures have decreased by 15.08 and 20.1 percentage points respectively since the beginning of the year [6]. Risk Assessment - The company's risk ratio stands at 46.69%, significantly higher than its peers, indicating a more aggressive approach to product pricing and potential exposure to insurance losses [6][7]. - Junlong Life's insurance risk occurrence rate is 34.07%, suggesting a reliance on competitive pricing strategies that may lead to higher risk [7]. Investment Strategy - As of mid-2023, Junlong Life's investment yield was 4.67%, ranking it first among 57 non-listed life insurance companies, while its comprehensive investment yield was 4.08%, placing it sixth [12]. - The company has adopted a cautious investment strategy, focusing on low-risk long-term bonds and emerging industry REITs, while also diversifying into equities and convertible bonds [14]. Operational Challenges - Despite achieving profitability in 2024 with a net profit of 0.46 billion, Junlong Life has faced losses in previous years and a significant decline in insurance revenue, which fell by 33.53% year-on-year in the first half of 2023 [14][15]. - The company is actively optimizing its business structure to focus on high-value, long-term insurance products, which may lead to short-term financial fluctuations but is expected to benefit long-term sustainability [15].

Core Insights - Junlong Life Insurance has officially opened its Shanghai branch, marking a significant step towards national market expansion after 17 years of operation in Fujian [1][2] - The company has transformed from a loss-making entity to a profitable one, with total assets increasing from 1.8 billion yuan in early 2020 to 10 billion yuan by August 2025, and premium income reaching nearly 2.5 billion yuan in 2024, quadrupling since 2019 [1][4] - The investment performance of Junlong Life is noteworthy, achieving a total investment return rate of 4.67% in the first half of 2025, ranking first among 59 non-listed life insurance companies [1][5] Company Strategy - The core strategy of Junlong Life revolves around a differentiated product approach combining "insurance + healthcare" and a long-term capital mindset linking primary and secondary markets [2][4] - The company has established a professional investment system, leveraging the investment background of its chairman, Wang Wenhui, who has managed nearly 25 billion yuan in funds and invested in over 200 companies [2][4] - Junlong Life aims to build an ecosystem of "proactive health management" by integrating resources from its shareholder, Jianfa Group, in healthcare and investment [2][4] Market Positioning - The establishment of the Shanghai branch is seen as a pivotal move for Junlong Life to enhance its brand influence and market coverage, leveraging Shanghai's status as a financial hub with abundant healthcare resources [8][9] - The company emphasizes a differentiated competitive strategy, focusing on innovative product offerings and high-quality service channels to meet the diverse needs of clients [8][9] Future Outlook - Junlong Life plans to focus on three strategic areas: "insurance + healthcare" product strategy, collaboration with quality channels, and comprehensive digitalization [9][10] - The company is optimistic about investment opportunities in three key sectors: digitalization and domestic substitution, life and health, and energy transition, viewing these as essential for long-term growth [9][10]

Group 1 - The core event was the launch of the "Long Life Era Peace of Mind Dental Implant White Paper" in Zhenjiang, showcasing the integration of insurance and medical services in the dental health sector [1] - The event highlighted the innovative "Zero-Sensation Implant First-Class Cabin" treatment experience, demonstrating significant advancements in dental technology and service upgrades by the company [1][5] - The company aims to provide a comprehensive dental health solution through its "Worry-Free Dental Implant 2.0" program, which emphasizes rapid compensation and long-term maintenance for elderly patients [2][4] Group 2 - The company has developed a full lifecycle service model for dental implants, integrating nearly 300 implant doctors and leveraging its health ecosystem to create a collaborative clinical network [2] - The "Worry-Free Dental Implant 2.0" program represents a significant upgrade in dental insurance, focusing on preventive health management and offering over 30 dental insurance products since 2019 [2][3] - The event also included a public welfare initiative aimed at improving oral health for the elderly, combining medical resources with community support to extend dental services to a broader audience [4] Group 3 - The "Zero-Sensation Implant" technology addresses patient anxiety and pain, utilizing innovative methods such as VR for anxiety relief and long-lasting pain management solutions [5] - The company emphasizes a patient-centered approach, aiming to transform dental implants from a luxury to a durable consumer product, thereby enhancing the dignity of health for the elderly [5] - The white paper outlines a comprehensive ecosystem for dental implants, integrating high-quality services, risk management, and lifelong maintenance within the company's health ecosystem [5]

Core Viewpoint - China Ping An's new business value in life and health insurance reached 22.335 billion yuan in the first half of 2025, marking a year-on-year growth of 39.8%, indicating significant growth potential in commercial health insurance due to rapid economic development in China [1][5]. Industry Insights - The Chinese government is placing high importance on the construction of a multi-level security system, emphasizing the necessity for collaboration between basic medical insurance and commercial health insurance [3][4]. - Policies supporting the high-quality development of commercial health insurance have been introduced this year, presenting historic opportunities for the sector [3][4]. - The basic medical insurance system covers 1.326 billion people with a participation rate of 95%, but the overall funding level is low, necessitating a focus on basic coverage [4]. Company Strategy - China Ping An is optimistic about the future of commercial health insurance, noting that the sector has maintained double-digit growth in premiums over recent years [5][6]. - The company plans to enhance the development of "insurance + medical" products to support the construction of a comprehensive medical ecosystem, focusing on differentiated and advantageous services [6][7]. - Ping An aims to deepen collaboration in the pharmaceutical insurance sector and actively participate in the construction of a drug directory to promote standardization and professional development within the industry [7].

Group 1 - The core challenge for small insurance companies is to find a sustainable path for growth and survival in a highly competitive market, moving away from blind expansion strategies [1][3] - A clear positioning as a "product company" is essential for small insurance firms, focusing on risk management product development rather than just sales [7][6] - The definition of a good product is based on customer needs, company capabilities, and market timing, emphasizing the importance of understanding customer pain points [9][12] Group 2 - Differentiation is crucial for small insurance companies to compete in a market dominated by giants, and they should focus on long-term investments rather than short-term gains [11][12] - The "insurance + healthcare" strategy is a chosen path for differentiation, requiring deep integration with healthcare services to ensure effective product offerings [11][13] - Building a robust ecosystem through collaboration with top-tier healthcare providers and sales channels is necessary for enhancing customer experience and satisfaction [16][21] Group 3 - Investment strategies are vital for the development of small insurance companies, especially in a low-interest-rate environment, to avoid the "interest spread loss" dilemma [22][24] - A balanced approach to risk management and investment is essential, with a focus on building a comprehensive investment system beyond traditional low-risk assets [24][26] - The investment performance, such as achieving over 4% return in the first half of 2025, supports product innovation and overall company growth [24] Group 4 - Beyond investment and liability, a strong corporate culture focused on customer interests is crucial for building long-term trust and reputation [28][30] - The insurance industry must prioritize customer-centric practices, especially in claims handling, to enhance trust and long-term relationships with clients and partners [29][30] - Establishing long-term partnerships with professional institutions is essential for small insurance companies to provide effective risk management services [30]

Group 1 - The core viewpoint of the article is the strategic collaboration between Aixin Life Insurance and Century Kangrui Medical Group to explore innovative models of medical insurance and health management, focusing on chronic disease management and patient care [1][10]. Group 2 - Century Kangrui, established in 2014, has developed a comprehensive medical service chain that includes emergency rescue, cancer treatment, and rehabilitation care, operating 11 medical institutions, which aligns well with Aixin Life's strategy of integrating insurance and medical services [3]. - Aixin Life is focusing on innovative insurance products for patients with chronic diseases and those with positive health indicators, aiming to break traditional underwriting limitations and provide valuable health management solutions [5][10]. Group 3 - The collaboration will leverage the overlapping customer bases of both companies and will focus on developing "insurance + health management" combination products for chronic diseases such as diabetes and hypertension, enhancing the integration of medical services and insurance protection [7]. Group 4 - Following the agreement, both companies will establish a special task force to facilitate practical cooperation in product development, customer service, and health management, aiming to accelerate the implementation of innovative projects [8]. Group 5 - This partnership marks a significant step for Aixin Life in deepening its "insurance + medical care" strategy, enhancing its service capabilities in chronic disease management and providing a valuable model for the industry in integrating medical and insurance services [10].