Core Viewpoint - The article discusses the impact of healthcare reform on the commercial health insurance sector in China, highlighting both challenges and opportunities for the industry as it adapts to new realities [2][4]. Group 1: Impact of Healthcare Reform - Recent reforms in the national healthcare system have fundamentally changed the logic of commercial health insurance, presenting both opportunities and challenges for the industry [4]. - The blurred identification of commercial insurance by hospitals and doctors has led to a perception that having commercial insurance is ineffective, undermining market confidence in commercial health insurance [4]. Group 2: Product and Service Redefinition - The traditional approach of offering broad "million medical" products is no longer sufficient for high-net-worth clients; instead, insurance companies should refine their product structures and target niche markets that mainstream companies overlook [5]. - There is a growing emphasis on the value of service, with clients increasingly concerned about proactive engagement and understanding rather than just compensation amounts [5][6]. Group 3: Building an Interconnected Health Ecosystem - Achieving breakthroughs in commercial health insurance requires more than just product innovation; it necessitates deep collaboration between healthcare and commercial insurance sectors in areas such as identity recognition, data sharing, and resource allocation [7]. - The industry is encouraged to rebuild client trust through actionable insights from claims data, integrating service interventions throughout the client's life cycle, and addressing real issues in a proactive and scientific manner [7].