专题：第20届中国保险创新论坛 2025年12月17日下午，在第20届中国保险创新论坛的圆桌对话环节，中国社会保障学会商业保险研究分 会会长王绪瑾，德华安顾人寿保险有限公司副总经理、首席个险渠道官、中介渠道业务管理责任人刘剑 锋，长城人寿保险股份有限公司总经理助理、董事会秘书张玉璐，国富人寿保险股份有限公司副总经 理、董事会秘书刘先云，东吴人寿保险股份有限公司总裁助理兼苏州分公司总经理陈海燕，长城保险经 纪有限公司董事长申河围绕"构建保险+生态模式，如何控制合理边界"这一主题展开了激烈讨论。中汇 人寿保险股份有限公司上海分公司总经理王东担任主持。 嘉宾们探讨了在构建"保险+"生态模式的实践中，我们的"能力圈"与"生态圈"该如何界定与协同？我们 如何构建既能开放共享、又能防火隔离的"数据与合规"护城河？以及在"利他共赢"的生态中，我们如何 确保价值分配的公平性与可持续性？ 王绪瑾：以能力圈为根基，以生态圈为场景 "构建保险+生态模式，如何控制合理边界？"这是一个很好的选题。战略边界的核心逻辑是以能力圈为 根基，以生态圈为场景，协同核心是能力输出与场景的反哺。界定与协同的本质是不脱离自身核心能力 去盲目扩张生态， ...

Core Viewpoint - The acquisition of Paige by Tempus AI for approximately $81.25 million is a strategic move that significantly enhances Tempus's capabilities in the AI medical field, particularly in oncology, by integrating Paige's extensive pathology data and FDA-approved applications into Tempus's existing multi-modal model strategy [2][11]. Group 1: Paige's Unique Assets - Paige has accumulated nearly 7 million digital pathology slides and corresponding clinical data, making it a leader in pathology AI with exclusive data resources [3][5]. - The company has developed one of the world's first foundational pathology models based on 2.3 million whole slides and has partnered with Microsoft to create PRISM2, which connects pathology images with language models [5]. - Paige's AI tools have received FDA 510(k) approval and breakthrough device designation, allowing them to integrate into clinical workflows effectively [5][10]. Group 2: Tempus's Ambitions - Tempus has built a vast multi-modal database, including genomic testing results and real-world clinical data from over 5 million patients, as well as imaging resources [6][8]. - The company aims to create a comprehensive multi-modal foundational model that covers the entire cancer diagnosis and treatment chain, with a recent $200 million collaboration with AstraZeneca and Pathos AI to achieve this goal [8][10]. Group 3: Industry Observations - The acquisition signals a shift in the AI medical landscape towards resource integration, where data and compliance are becoming more critical than algorithm performance [11][12]. - The combination of Paige's pathology data and Tempus's molecular and clinical data creates a complete tumor database, establishing a "data loop" that will be difficult for competitors to replicate [12][13]. - The case highlights the challenges faced by domestic companies in the AI medical field, emphasizing the need for long-term data accumulation, clinical integration, and compliance to achieve commercial value [14][15].