近日，平安健康险重磅上线平安"岁月长安"特定疾病保险（简称"岁月长安"），产品以疾病风险保障为 核心，融合特定疾病保险、医疗健康管理等多重保障于一体，为客户提供覆盖全生命周期的健康守护保 障方案，满足客户多元化需求。 聚焦家庭人群：一张保单守护客户"岁月长安" "岁月长安"的产品设计模式，能满足少儿、中青年、老年三类核心家庭成员群体的保障需求，通过灵活 的一般医疗金（可选）使用方式，匹配不同阶段的需求场景。 对于少儿群体，一般医疗金（可选）覆盖疫苗、视力矫正等实际健康支出，为成长关键阶段提供支持； 对于老年群体，重点回应慢病管理与体面养老的需求，提供持续医疗保障，增强晚年生活安全感。 平安健康险表示，在"平安乐健康"品牌焕新升级之后，平安健康险充分依托"服务x保险"核心资源优 势，立足"客户"核心需求，推出"岁月长安"这一匠心之作。未来，平安健康险将持续推出创新产品和医 健服务，为客户创造"省心、省时、又省钱"的健康美好生活。 模式创新：融合疾病保险、健康管理等多重保障 近年来，人民健康保障需求日益多元。2025年9月，国家金融监督管理总局发文，提出推动健康保险与 健康管理融合发展。另一方面，随着宏观经济环境 ...

平安健康险表示，在 " 平安乐健康 " 品牌焕新升级之后，平安健康险充分依托 " 服务 x 保险 " 核 心资源优势，立足 " 客户 " 核心需求，推出 " 岁月长安 " 这一匠心之作。未来，平安健康险将持 续推出创新产品和医健服务，为客户创造 " 省心、省时、又省钱 " 的健康美好生活。 近日，平安健康险重磅上线平安 " 岁月长安 " 特定疾病保险（简称 " 岁月长安 " ），产品以疾病 风险保障为核心，融合特定疾病保险、医疗健康管理等多重保障于一体，为客户提供覆盖全生命周期 的健康守护保障方案，满足客户多元化需求。 模式创新：融合疾病保险、健康管理等多重保障 近年来，人民健康保障需求日益多元。 2025 年 9 月，国家金融监督管理总局发文，提出推动健康 保险与健康管理融合发展。另一方面，随着宏观经济环境变化，保险行业预定利率多次下调。 平安健康险响应政策精神、立足市场需求，创新推出融合疾病保险、医疗健康管理等多重保障于一体 的新模式健康险产品 " 岁月长安 " ，以稳健经营实力与医健服务优势，满足客户真实多元需求。 在核心的疾病保险保障层面， " 岁月长安 " 高度贴合用户健康保障需求，涵盖 10 种高 ...

Core Insights - The concept of "health" is evolving into a valuable asset, with insurance companies transitioning from traditional "post-claim" models to a new phase of "medical-insurance integration" [1][3][6] - Ping An Health Insurance has introduced the concept of "family health assets," creating a quantifiable and operational system for health asset management, setting a benchmark for industry transformation [1][4] Market Demand - The prevalence of chronic diseases in China, such as hypertension and diabetes, is driving the transformation of the health insurance industry [2] - Lifestyle factors contribute significantly to the occurrence of chronic diseases, indicating that proactive health management is more effective than mere risk compensation [2] Policy Environment - Regulatory bodies are encouraging the health insurance industry to extend into health management, promoting a fusion of "health insurance + health management" [2] - The positioning of basic medical insurance as "basic coverage" leaves room for commercial health insurance to address specific needs, such as critical illness treatments and high-end medical services [2] Industry Challenges - Traditional health insurance faces challenges such as high claim rates and low customer loyalty due to a lack of intervention in user health behaviors [3] - The shift in public perception towards "active health management" necessitates a new approach in the health insurance sector [3] Innovative Solutions - Ping An Health Insurance's upgraded "Ping An Le Health" platform integrates health management into a family-oriented health asset management system, allowing shared health accounts and collective health behavior tracking [4][5] - The platform incentivizes healthy behaviors through a points system, where positive actions accumulate points that can enhance insurance coverage and redeem services [5] Medical-Insurance Integration - The "medical-insurance integration" model encompasses a full-cycle health service approach, addressing prevention, management, and coverage [6] - Ping An Health Insurance is leading this trend by offering services that promote healthy lifestyles and provide access to quality medical resources [6] Future Outlook - The medical-insurance integration model is expected to become mainstream in the next 3-5 years, driven by advancements in technology and the rising demand for family health management [7]

Core Insights - The integration of insurance and healthcare services is transforming the role of insurance policies into a comprehensive health management tool, moving beyond mere claims processing to encompass prevention, treatment, and rehabilitation [1][2][3] Group 1: Insurance and Healthcare Integration - The collaboration between Taikang Insurance and Sanbo Brain Hospital exemplifies a shift towards a holistic health partnership, where insurance becomes a proactive participant in the entire health cycle [2][3] - Health lectures and tailored educational sessions are being conducted regularly to address various health concerns, emphasizing the importance of preventive care and health management [2][3] - The "Jianbao Tong" system allows for seamless claim processing directly at hospitals, significantly reducing the waiting time for patients and enhancing their overall experience [4][6] Group 2: Service Efficiency and Customer Experience - The "Jianbao Tong" service has simplified the claims process, allowing patients to receive reimbursements immediately upon discharge, thus alleviating financial burdens associated with hospital deposits [6][7] - Since the launch of the "Jianbao Tong" project in 2022, Taikang Insurance has established 58 service stations nationwide, serving over 110,000 individuals, showcasing the effectiveness of their integrated service model [7][8] - The partnership with hospitals not only improves patient care but also enhances the reputation of Taikang Insurance through positive customer experiences [4][7] Group 3: Strategic Expansion and Ecosystem Development - Taikang Insurance is building a comprehensive ecosystem by establishing five major medical centers across key regions in China, providing over 5,000 hospital beds to meet healthcare demands [8][9] - The company has formed partnerships with over 3,200 hospitals, with more than 56% being tertiary hospitals, ensuring widespread access to their efficient insurance services [8][9] - Investments in specialized medical institutions further strengthen the integration of insurance and healthcare, facilitating innovative health management solutions [9]

Core Viewpoint - The article emphasizes the transformation of commercial health insurance from merely a "payment tool" to a "value engine" that integrates deeply into the pharmaceutical innovation ecosystem, facilitating a win-win situation for patients, sustainable medical insurance funds, and biopharmaceutical innovation [1][4]. Group 1: Industry Context - China's healthcare reform is entering a critical phase, focusing on "value-based healthcare," which is redefining the boundaries of "coverage" and positioning commercial health insurance as a key player in a multi-tiered medical security system [3][4]. - The commercial health insurance sector is expected to play a crucial role as a "supplement" to basic medical insurance and as an "integrator" of medical resources, while also exploring innovative payment and health management models [3][4]. Group 2: Market Dynamics - In 2024, the market size for innovative drugs in China is projected to reach 162 billion yuan, with a year-on-year growth of 16%. Personal cash payments are expected to account for approximately 49% of this, while commercial health insurance expenditures are only about 7.7% [5]. - The integration of commercial health insurance with the healthcare industry is deepening, with companies like Mingxin Health acting as connectors to provide diverse payment solutions [5][6]. Group 3: Company Initiatives - Mingxin Health, founded in 2017, aims to bridge the gap between patients, pharmaceutical companies, and insurance providers, making high-quality medications more accessible [5][8]. - The company has developed various innovative products, including financial installment plans for expensive cancer treatments and specialized insurance for innovative drugs, which have become standard offerings in medical insurance [8][9]. Group 4: Challenges and Opportunities - The current commercial health insurance landscape faces challenges such as inadequate coverage for high-value innovative drugs, limited service levels, and insufficient penetration among target populations [13][14]. - To address these challenges, the industry must enhance its core capabilities, focusing on high-quality medical service provision, comprehensive coverage of advanced drugs, and improved technological payment and risk control capabilities [14][15]. Group 5: Innovative Payment Solutions - Mingxin Health has introduced the "One Code Direct Payment" system, allowing users to settle medical expenses without upfront payments, thereby alleviating financial pressure on patients [15][16]. - This system aims to streamline the claims process and enhance user experience, reflecting a broader shift in consumer demand from mere medical services to comprehensive health management and preventive care [16].

Group 1 - The core viewpoint of the articles revolves around the transformation of China's healthcare system, emphasizing the role of commercial health insurance as a key player in the multi-tiered medical security system, acting as a complement to basic medical insurance and innovating payment and health management solutions [2][4][12] - The commercial health insurance sector is expected to grow significantly, with projections indicating that the market for innovative drugs in China will reach 162 billion yuan in 2024, reflecting a 16% year-on-year increase [4] - The integration of commercial health insurance with the medical and pharmaceutical industries is deepening, with companies like Meixin Health acting as connectors to provide diversified payment solutions [4][10] Group 2 - Meixin Health has served 400 million insurance policies over the past eight years, potentially impacting a significant number of patients, and has saved patients 4.5 billion yuan in medical expenses [10] - The company has developed innovative payment solutions, such as financial installment plans for high-cost drugs, which have reduced monthly expenses significantly for patients [7][15] - The introduction of the "One Code Direct Payment" system allows patients to settle medical expenses without upfront payments, enhancing the accessibility of insurance benefits [16] Group 3 - The challenges faced by the pharmaceutical industry include the need for a diversified payment system to ensure that innovative drugs reach patients effectively, especially under the constraints of basic medical insurance [8][9] - The current penetration of commercial health insurance is insufficient, with issues such as limited coverage for high-value innovative drugs and inadequate service levels for elderly and chronic disease patients [12][13] - The future of the pharmaceutical industry will depend on establishing a robust infrastructure that facilitates collaboration between pharmaceutical companies and insurance providers, ensuring that innovative treatments are accessible and affordable for patients [11][14]

Core Insights - Ping An Health Insurance released its first sustainable development report, showcasing its commitment to sustainable insurance, responsible investment, social welfare, and corporate governance as it celebrates its 20th anniversary [1] Group 1: Sustainable Insurance and Financial Contributions - In 2024, Ping An Health Insurance achieved a sustainable insurance premium income of 13.039 billion yuan and a responsible investment scale exceeding 4.449 billion yuan, with public welfare donations exceeding 2.636 million yuan [1][2] - The company has developed various insurance products targeting high-tech industries and strategic emerging sectors, enhancing the quality of service to the real economy [2] Group 2: Green Finance Initiatives - Ping An Health Insurance actively practices responsible investment principles, with a responsible investment scale of 4.449 billion yuan and green investments amounting to approximately 0.781 billion yuan [2] - The company aims to reduce its carbon footprint through energy-saving management and green financial education initiatives [2] Group 3: Inclusive Finance and Product Development - The company focuses on expanding its inclusive finance product offerings, particularly for children and chronic disease patients, with a total sustainable insurance premium income of 13.039 billion yuan in 2024 [3] - Ping An Health Insurance has provided health insurance solutions to 85,000 enterprises, serving 16 million individuals [3] Group 4: Health Management and Service Integration - The company is transitioning from traditional insurance to a model that integrates health management services, enhancing its product offerings with services like medical accompaniment and rehabilitation guidance [4] - In 2024, the company reported a 62% increase in hospitalization claims and high customer satisfaction rates for its services [5] Group 5: Social Responsibility and Community Engagement - Ping An Health Insurance is committed to social responsibility, with public welfare donations of 2.636 million yuan in 2024, focusing on health support for vulnerable groups [7] - The company has conducted 1,382 financial fraud prevention and health consultation activities, reaching over 30 million individuals [8] Group 6: Future Commitment and Vision - The company emphasizes its long-term commitment to sustainable development and aims to continue enhancing its role in promoting economic development and improving people's livelihoods [8]