近日，平安健康险总经理助理、总精算师丁雯在陆家嘴金融沙龙第23期《医保+商保：共同促健康、惠 民生》专题研讨活动上表示，随着人口老龄化和疾病风险变化，人民群众对医疗、健康管理服务的需求 日益多元、紧迫，在医保"广覆盖、保基本"的基础上，商业健康险从传统的纯保险保障模式，到一张保 单涵盖专属保障、医疗服务、特色权益等多维价值，在满足人民所需、构建多层次医疗保障体系中发挥 着重要作用。 谈及商业健康险如何进一步扩大创新药品保障覆盖面时，丁雯建议，商业健康险公司可通过深化药险协 同交流、突破传统销售场景、创新产品体系等方面主动破局。在产品推广上，未来可通过突破传统代理 人保险销售模式，与医院、医疗体系协同打造"医疗服务+"客户场景，通过"人货场"匹配的推广方式实 现客户的精准触达；在产品创新上，建议探索家庭健康账户，将更多创新药、原研药纳入支付范围，降 低家庭医疗支出负担。（智通财经记者胡志挺） ...

Group 1 - The core viewpoint of the articles highlights the ongoing transformation in the commercial health insurance sector driven by DRG/DIP payment reforms and the increasing demand for innovative drugs and high-quality medical services [1][2][5] - The demand for mid-to-high-end medical services is on the rise, with consumers increasingly willing to pay for innovative drugs and diverse outpatient treatments, leading to a significant growth in demand for mid-to-high-end health insurance [2][3] - The integration of advanced technologies, particularly AI, is reshaping the efficiency and service experience in health insurance, with a projected compound annual growth rate of 85% for generative AI in the medical insurance sector [3][4] Group 2 - Commercial health insurance innovation must address three core tasks: comprehensive coverage, service upgrades, and innovative inclusivity to better serve a wider population [2][3] - Challenges in collaboration between commercial health insurance and the medical industry include limited scale and payment capacity, insufficient integration depth, and difficulties in data interoperability, which hinder the efficiency of commercial health insurance [2][4] - The introduction of one-stop settlement solutions aims to enhance the service experience by reducing the burden on patients to pay upfront and navigate complex reimbursement processes, thus facilitating better integration between commercial and public health insurance [4][5]