"以前买健康险，只盼着用不上；现在保单在手，日常健康有了专属管家。"这是如今不少消费者对健康险的全新认知与直观感受。 在"健康中国"战略深化与人口老龄化加速的双重机遇驱动下，我国商业健康险市场规模稳步提升，2025年前8个月保费收入达7599亿元，同比增长2.38%，万 亿规模近在咫尺。 然而，行业快速发展背后，"投保易、服务难"、数据壁垒突出等长期痛点尚未根除，单纯的经济补偿模式已难以匹配居民全生命周期健康需求，转型压力日 益凸显。 在此背景下，行业正开启从"风险补偿"向"健康管理驱动"的深度变革，政策支持与市场创新形成破解困局的合力。 政策层面，"十五五"规划明确健康保障体系建设部署，金融监管总局出台专项指导意见，推动构建"事前预防、事中管理、事后保障"的新型健康服务保障体 系，为行业转型划定方向。 市场层面，以平安健康险为代表的头部企业率先破局，通过焕新服务品牌，搭建"健康行为—积分奖励—保障升级"的良性循环机制，将健康服务深度融入产 品设计、销售、理赔全流程。 从技术赋能到生态协同，从产品创新到服务升级，商业健康险行业正逐步突破转型瓶颈，在多层次医疗保障体系中的作用愈发关键，为"健康中国"战略落地 注 ...

Core Viewpoint - The National Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, emphasizing the integration of health management and insurance services, which aligns with the strategic upgrade of Ping An Health Insurance's service system [1][3]. Group 1: Policy and Strategic Upgrade - The new guidelines aim to transform health insurance from a risk bearer to an active health manager, promoting a new service system that combines prevention, management, and protection [3][6]. - Ping An Health Insurance has upgraded its client app to "Ping An Le Health," reflecting its commitment to a dual-driven strategy of "health insurance + medical services" [2][5]. Group 2: Service System and Digital Platform - The "Ping An Le Health" platform integrates four service areas: "Vibrant Living," "Quality Medical Care," "Digital Healing," and "Long-term Protection," providing comprehensive health coverage [4][5]. - The platform establishes a "Health Asset Account" for each customer, quantifying health behaviors into valuable assets, thus creating a closed-loop system that encourages family participation in health management [4][5]. Group 3: Market Position and Future Plans - Ping An Health Insurance has built a vast service network, collaborating with numerous hospitals and covering over 200 countries, serving 46.84 million individual clients and 27.5 million corporate clients [5][6]. - The company aims to enhance public health awareness through a series of marketing activities, aligning with the national health strategy and contributing to the improvement of public welfare [5][6].