Core Viewpoint - The conference emphasized the role of commercial health insurance in addressing gaps in the current medical insurance system and its potential to contribute to China's high-quality economic development [2][4]. Group 1: Positioning of Commercial Health Insurance - Commercial health insurance should focus on covering responsibilities beyond basic medical insurance, addressing gaps in areas such as new drugs and high-end medical services [4][5]. - The value of commercial insurance lies in providing precise supplementary coverage, necessitating a focus on the differentiated needs of various demographic groups [4][5]. Group 2: Product Mechanism Adaptation - The rise of chronic diseases has made insuring individuals with pre-existing conditions a market necessity rather than an exception [5][6]. - Companies like Great Wall Life are developing "broad coverage" medical insurance products that relax certain health disclosure requirements while introducing a "health score" mechanism to offer differentiated rates based on health status [6]. Group 3: Data Collaboration and Policy Synergy - The increasing pressure on China's medical insurance system highlights the importance of commercial insurance as a supplementary force to control medical expenditure and achieve a sustainable protection system [7]. - Effective collaboration with public policies and data sharing is essential for scientific product pricing and defining coverage responsibilities, requiring long-term investment and commitment from commercial insurance companies [7].