2025年10月，一位乳腺癌复发并确诊肝转移的患者，在需要启用创新药"戈沙妥珠单抗"进行治疗时，她 所投保的"粉红卫士"乳腺癌复发险发挥了关键作用。该产品为这类创新药物预估了约35万元的总治疗费 用并提供保障，让患者能够免于经济上的后顾之忧，安心接受治疗。而这样的保障故事，正在越来越多 用户身上发生，成为守护健康与希望的真实写照。 在"健康中国2030"战略深入推进与医保改革进入深水区的双重背景下，商业健康险已不再是单纯的金融 支付工具，而是成为破解医疗资源不均、减轻患者负担、助推医药产业创新的关键力量。 泰康在线财产保险股份有限公司（以下简称"泰康在线"）作为互联网保险领域的头部企业，成立十周年 以来，凭借财险专业化经营和互联网渠道优势，率先打破传统健康险"保疾病"的局限，以"保人健康"为 核心理念，通过精准契合监管导向、深化"保险+服务"融合、构建"医药险"生态闭环、升级全生命周期 服务方案四大路径，持续引领健康险行业高质量发展，为行业转型提供了可复制的实践样本。 1 锚定监管导向， 填补保障缺口 健康险的高质量发展，离不开监管政策的引导与规范。近年来，从国务院《关于加强监管防范风险推动 保险业高质量发展 ...

Core Insights - The Chinese third-party payment industry is entering a critical phase of stock competition and value reconstruction, driven by regulatory compliance and market dynamics [2] - The industry is shifting from rapid growth to a phase of stock competition, with a consensus on "payment +" services, particularly in enterprise payment and cross-border payment sectors [2] - Technological innovations, such as NFC and generative AI, are enhancing payment experiences and service personalization [2] Research Background - The implementation of the "Non-bank Payment Institutions Supervision Management Regulations" has led to a compliance reshuffle, with non-compliant institutions exiting the market [2] - The industry is experiencing stable growth in online industrial payments and a rise in cross-border payments, which are becoming dual supports for market expansion [2] - Globalization and digital transformation are deepening, with increased convenience for foreign payments in China, becoming a key part of the dual circulation strategy [2] Research Objectives - The iResearch Consulting Institute plans to release the "2025 China Third-Party Payment Industry Research Report" in Q4 2025, inviting industry participants to contribute [3] Research Content - The report will outline the development history of the third-party payment industry, analyze market size and structural changes, and explore mainstream business models and regulatory environments [4] - Insights into industry trends will be provided, focusing on policy incentives, market structure, and application scenarios [4] Challenges and Solutions - The report will discuss the challenges faced by third-party payment institutions and explore potential solutions for overcoming these challenges [5] Case Studies - The report will feature case studies of outstanding companies in the third-party payment industry, highlighting innovative practices [6] Expert Insights - The research team will conduct in-depth interviews with industry experts to summarize key viewpoints, providing forward-looking insights for third-party payment enterprises [7] Participation Value - Companies participating in the report will have opportunities to enhance brand visibility and influence through inclusion in the industry map and case studies [9][10] - Participants will also have the chance to engage in online and offline events with industry experts and stakeholders [10] Participation Details - The call for participation is open to all stakeholders in the third-party payment industry, with a submission deadline of November 22 [12][13]

Core Insights - The Chinese third-party payment industry is entering a critical phase of stock competition and value reconstruction, driven by regulatory compliance and market dynamics [2] - The industry is shifting from rapid growth to a phase of competitive pressure, with a consensus on "payment +" services, particularly in enterprise payment and cross-border payment sectors [2] - Technological innovations, such as NFC and generative AI, are enhancing payment experiences and service personalization [2] Research Background - The implementation of the "Non-Bank Payment Institution Supervision and Management Regulations" has led to a compliance reshuffle, with non-compliant institutions exiting the market [2] - The industry is experiencing stable growth in online industrial payments and a rise in cross-border payment demands, particularly in emerging markets like Southeast Asia and Latin America [2] Research Objectives - The iResearch Consulting Institute plans to release the "2025 China Third-Party Payment Industry Research Report" in Q4 2025, inviting industry participants to contribute [3] Research Content - The report will analyze the development history of the third-party payment industry, market size, structural characteristics, regulatory environment, and key players in the industry chain [4] - Insights into industry trends will be provided, focusing on policy incentives, market structure, and application scenarios [4] Challenges and Solutions - The report will explore the challenges faced by third-party payment institutions and potential strategies for overcoming these challenges [5] Case Studies - The report will feature case studies of outstanding companies in the third-party payment industry, highlighting innovative practices [6] Expert Insights - The research team will conduct expert interviews to gather insights on industry trends, which will be presented in the report [7] Participation Value - Companies participating in the report will have opportunities to enhance brand visibility and influence within the industry [9][10]

Group 1: Consumer Upgrade Policy - The "old-for-new" policy has been continuously updated since last year, effectively promoting consumption and driving significant industrial transformation and upgrades [1] - The Beijing Municipal Bureau of Commerce announced an expansion of the subsidy categories for the "old-for-new" program, which includes automobiles, home appliances, electric bicycles, and digital products [1] Group 2: Payment Solutions for Small Merchants - UnionPay Business has been appointed as the payment and technology service provider for the "old-for-new" initiative in Beijing starting in the second half of 2024 [2] - The company introduced a combination solution of "Xiao U single product + Jing Tong mini program + merchant mini program assistant" to facilitate easier system integration for small merchants, overcoming previous technical barriers [2] - UnionPay Business has assisted hundreds of merchants and over a thousand stores in Beijing, generating transaction amounts exceeding 10 billion yuan [2] Group 3: Smart Elderly Care Services - The Beijing Civil Affairs Bureau provides meal subsidies to eligible elderly residents through a reimbursement model, and the "Parents' Canteen" brand was launched in September 2022 to enhance meal services [3] - UnionPay Business has collaborated with the Xicheng District Civil Affairs Bureau to provide smart terminal devices and payment services for the "Parents' Canteen," streamlining the meal ordering and payment process for elderly residents [3] - The service has been implemented in over 200 "Parents' Canteens," covering 263 communities, allowing elderly individuals to pay conveniently using facial recognition [3] Group 4: Elderly Assistance Card Payment Integration - The Elderly Assistance Card serves as a credential for elderly residents to access various social welfare benefits in Beijing [4] - UnionPay Business has integrated the payment function for the Elderly Assistance Card at 125 meal points, enabling a seamless payment process for elderly users [4] - In 2024, the company launched a mini program in the "Cloud Flash Payment" app for online binding of the Elderly Assistance Card, facilitating easy payments for users [4] Group 5: Smart Agricultural Wholesale Market - The Xinfadi Market in Beijing is one of the largest agricultural wholesale markets in Asia, with a daily foot traffic exceeding 30,000 [5] - UnionPay Business, in collaboration with Beijing Bank, developed a smart settlement service solution to enhance payment efficiency in the market, including a "cash register scale + C-scan B payment" product combination [6] - The company has also introduced customized services such as voice broadcasting and online shopping carts to improve market management and merchant operations [7] Group 6: Upgraded Transportation Payment Systems - Beijing's urban rail transit has become the first in the world to support five major card organizations for contactless entry [8] - UnionPay Business played a key role in the system upgrades for ticketing machines and entry gates to accommodate international cards, ensuring smooth transaction processes [8] - The company has also implemented various payment methods for local residents and foreign visitors, enhancing the overall travel experience in Beijing [9] Group 7: Commitment to Social Services - UnionPay Business is dedicated to empowering social services through technology and payment solutions, contributing to various initiatives such as "old-for-new," elderly meal services, smart agriculture, and transportation improvements [9] - The company aims to continue enhancing financial services and digital solutions to benefit the public and support high-quality development in Beijing [9]