本报（chinatimes.net.cn）记者于娜 北京报道 七年扩张狂欢成旧梦，国内连锁药房行业在2025年骤然陷入深度调整的"寒冬"，正式迈入负增长周期。 2025年一季度全国药店总量跌破70万家大关，单季净减约3000家，这一"关店潮"在后续季度持续蔓延， 中小连锁加速被市场出清，行业整合的大幕已然全面拉开。 这场行业变局的背后，是市场供需的深刻重构。2024年全国药品全终端市场规模虽达2.03万亿元，但同 比增幅仅0.9%，增速近乎停滞；2025年更迎来首次"掉头向下"，预测全终端销售规模将滑落至1.97万亿 元。 以往业绩令人艳羡的连锁药房巨头们，如今也是"冰火两重天"。2025年三季报数据显示，大参林表现亮 眼，前三季度归母净利润10.81亿元，同比劲增25.97%；益丰药房稳步前行，归母净利润12.25亿元，同 比增长10.27%；而一心堂则持续承压，归母净利润2.69亿元同比下滑8.17%，行业结构性调整的特征愈 发凸显。 业内预测，2025年全年，国内药房关店数可能达到5万—10万家。寒冬之下，行业正加速告别"跑马圈 地"的规模扩张时代，转向"精耕细作"的价值提升之路，一场从"卖药品"到"卖 ...

Core Viewpoint - The Chinese critical illness insurance market is transitioning into a "service-oriented era," driven by diverse health protection needs and the introduction of the "New Health Guardian for Life" (Smart Choice) critical illness insurance by Tongfang Global Life, which integrates medical resources and health management services [1][3][4]. Group 1: Product Features - The "New Health Guardian for Life" insurance covers 120 critical illnesses and offers tailored coverage for specific demographics, including 10 specific diseases for children, men, and women, effectively addressing the economic risks associated with critical illnesses [2][4]. - The product emphasizes the integration of high-quality medical resources and health care services, marking a strategic upgrade from mere coverage to the construction of a health service ecosystem [2][3]. Group 2: Market Trends - There is a growing consumer focus on the quality of medical services, health management, and risk prevention in high-end commercial insurance, indicating a shift from product-oriented to customer-oriented approaches in critical illness insurance [4][6]. - The demand for integrated health services is experiencing explosive growth, suggesting that critical illness insurance is evolving to meet these new consumer expectations [3][4]. Group 3: Service Ecosystem - The health service ecosystem of the "New Health Guardian for Life" includes comprehensive services such as pre-diagnosis, in-diagnosis, and post-diagnosis support, aiming to make essential medical resources and services easily accessible [4][5]. - The "Overseas Multidisciplinary Consultation" service allows clients to connect with international experts for medical advice, enhancing the overall service offering [5][6]. Group 4: Strategic Positioning - The launch of the "New Health Guardian for Life" reflects Tongfang Global Life's commitment to the critical illness insurance market and highlights the new logic of insurance development, where service ecosystem construction becomes a core differentiator [6]. - The dual approach of "protection + service" aims to reshape the commercial value of critical illness insurance, providing market-based solutions to challenges such as population aging and medical inflation [6].