【环球网财经综合报道】近日，由华夏时报社主办的第十九届华夏机构投资者年会暨华夏金融（保险） 科技论坛在北京成功举办。在"金融科技跃升"圆桌对话环节，众惠相互保险副总经理梁欣鑫从相互保险 的实践出发，分享了金融科技推动保险业高质量发展的独特视角。 他指出，科技正为相互保险注入新动能。通过"全周期健康管理+实时风控"模式，公司已构建覆盖带病 体、新市民、职工等多群体的普惠保障网络，旗下"惠肝保"等创产品实现从"事后赔付"向"事前干预"转 型，充分发挥相互保险机制优势。 在会员服务方面，公司升级打造智慧客服解决方案，以科技助力消费者体验升级。梁欣鑫介绍，公司通 过自研模式打造了集成化的风控平台"智惠赔"，上线了数据仓库、产品工厂、AI机器人等一系列数字化 项目，依托大模型深度赋能客户服务，打造"全天候、零等待"服务新标准。"数智+互助"双轮驱动模式 取得显著成效，更是体现了科技在激发保障创新活力等方面的巨大价值。 他强调，相互保险的创新活力不仅源于技术驱动，更根植于"以会员为中心、以需求为导向"的机制基 因。金融科技的最终目标在于服务民生保障。通过移动互联网等轻量化渠道，保险服务得以更深融入会 员生活。会员不仅获得 ...

本报（chinatimes.net.cn）记者吴敏 北京报道 12月12日，由华夏时报社主办的第十九届华夏机构投资者年会暨华夏金融（保险）科技论坛在北京成功 举办。 本届论坛以"活力与韧性 拓新与赋能"为核心主题，由中央财经大学数字经济融合创新发展中心、华夏 时报金融思想荟、华夏时报金融研究院联合提供智力支持，意在回应时代之问，凝聚发展共识，探寻未 来路径。 在"金融科技跃升"圆桌对话环节，众惠相互保险副总经理（主持工作）梁欣鑫从相互保险的实践出发， 分享了金融科技推动保险业高质量发展的独特视角。 他指出，科技正为相互保险注入新动能。通过"全周期健康管理+实时风控"模式，公司已构建覆盖带病 体、新市民、职工等多群体的普惠保障网络，旗下"惠肝保"等创新产品实现从"事后赔付"向"事前干 预"转型，充分发挥相互保险机制优势，推动形成"共建、共治、共享"的保障生态。 从互助基因到社群化运营 以创新产品为例，梁欣鑫指出，"惠肝保"突破传统"事后赔付"模式，构建"少发生、早发现、规范治 疗"的全周期健康管理与保障闭环，该模式已纳入国家级研究项目并开展试点。在广西，众惠相互联合 当地总工会推出的"职工医疗互助保障计划"，不 ...

"我国有2000多万的大货车司机，这些司机每天行驶在路上，风险非常高，最大的风险就是意外风险，一出事都是大事，而这类群体风险保障却很薄弱。"李 静表示，相互制就是为同质风险人群进行风险管理的一种形态。众惠相互作为国内第一家全国性相互保险机构，自2017年成立以来，就将目光聚焦在大货车 司机等没有得到较好风险保障的人群，进行了多年的实践和探索。 李静介绍，众惠相互陆续与车旺大卡、中交兴路等业内领先平台合作，探索从相互保险治理机制角度，以专业风控技术，为货车司机提供更加精准、高效的 风险保障服务。2021年起，与货车司机社区"卡友地带"，推出了医疗及意外保险产品，保障范围扩展至卡嫂及家庭，共同构建全方位的保障服务体系。在项 目中，众惠相互以互联网手段触达广大"卡友"，并联合平台结合货车司机的活动场景，创新组织安全倡议及安全测试等宣传形式，包括"事故分析""安全试 炼"等兼顾教学性和趣味性的线上活动，参与活动的货车司机已超过百万人次，影响货运从业人群超过千万人次，有效增强货车司机安全驾驶意识，实现了 可量化和有效的风险减量管理。 北京商报讯（记者 李秀梅）12月11日，由中外企业文化、北京商报社主办的2025年度北 ...

Core Viewpoint - The company, Zhonghui Mutual Insurance, has demonstrated significant growth and profitability through its unique mutual insurance model, aligning with national health strategies and promoting inclusive finance [1][2]. Business Performance - As of the third quarter of 2025, Zhonghui Mutual Insurance achieved a premium income of 358,169.89 million yuan, reflecting steady growth and a strong alignment with market demands [2]. - The company exhibits a three-dimensional positive trend characterized by stable premiums, robust profitability, and quality optimization [2]. Growth Drivers - The growth is driven by a dual strategy of underwriting and investment, focusing on the health insurance segment and developing specialized products for patients with pre-existing conditions [3]. - The company has launched over 100 exclusive products targeting specific health issues, filling significant market gaps [3]. Digital Transformation - Zhonghui Mutual has advanced its digital operations by implementing various projects such as data warehouses and AI-driven platforms, enhancing service efficiency and customer experience [4]. - The company has achieved a nearly 95% online reporting rate and a 99% case closure rate within one day, significantly improving claims processing [4]. Policy Response - The company is actively responding to regulatory initiatives aimed at enhancing health insurance services, particularly for patients with chronic conditions [4][5]. - As of September 30, 2025, health insurance accounted for over 96.3% of the company's premium income, demonstrating its commitment to being a true health insurance provider [5]. Product Development - Zhonghui Mutual has developed a comprehensive range of insurance products for chronic kidney disease patients, addressing significant coverage gaps in the market [5][6]. - The company has also introduced innovative health management services that improve patient outcomes and reduce healthcare costs [6][7]. Ecosystem Approach - The company has created a holistic ecosystem for chronic disease management, integrating insurance coverage with healthcare services to enhance patient care [7]. - Zhonghui Mutual's initiatives in liver disease insurance further exemplify its commitment to comprehensive health management and patient support [7]. Mechanism Advantages - The mutual insurance model provides a sustainable framework for inclusive finance, focusing on the needs of specific groups such as the elderly and chronic disease patients [8][9]. - The company has established a governance structure that allows member participation in decision-making, enhancing service quality and member satisfaction [9]. Future Outlook - With the ongoing implementation of inclusive insurance policies and the "Healthy China" strategy, Zhonghui Mutual aims to continue its path of inclusive development and create more value for its members [9].

Group 1 - The core issue faced by millions of chronic disease patients in China is the inability to afford treatment and management, necessitating innovative solutions in the insurance system [1] - Zhonghui Mutual Insurance has developed a comprehensive insurance matrix covering 130 million kidney disease patients and a product specifically for 450 million chronic liver disease patients, addressing significant gaps in healthcare coverage [1][2] - The company has launched 16 insurance products tailored for chronic kidney disease (CKD) patients, with over 70% of policyholders being individuals with pre-existing conditions, demonstrating a commitment to inclusivity in insurance [2][3] Group 2 - The recent policy changes by the National Healthcare Security Administration and the National Health Commission mark a shift towards a dual-track system for innovative drug coverage, combining basic medical insurance with commercial insurance [2] - Zhonghui Mutual Insurance's model integrates health management with insurance, promoting proactive disease management and improving patient outcomes through personalized care and monitoring [3][4] - The mutual insurance model is positioned as a solution to the limitations of traditional commercial insurance, particularly for high-risk groups, by providing sustainable and community-focused healthcare solutions [4] Group 3 - The prevalence of chronic diseases in China, with over 300 million patients, highlights the urgent need for innovative insurance solutions to fill existing coverage gaps [4] - Zhonghui Mutual Insurance's "Hui Gan Bao" product aims to manage chronic liver disease, which is a significant contributor to liver cancer, thereby addressing both healthcare and social value [5][6] - The company's approach emphasizes risk reduction and health management, aiming to lower the incidence of severe diseases and enhance overall public health [6]

Core Viewpoint - The conference hosted by Tsinghua University Wudaokou School of Finance focused on the theme of "New Industries, New Technologies, New Models, New Dynamics - Digital Finance Supporting High-Quality Development," highlighting the importance of digital finance in enhancing the quality of economic growth in China [1]. Group 1: Industry Trends - The Chinese commercial health insurance industry is undergoing profound changes, transitioning from a supplementary role to a complementary relationship with the basic medical insurance system, thereby participating deeply in the construction of a multi-tiered medical security system [2][4]. - The mutual insurance model is positioned as a crucial "adhesive" between social security and commercial insurance, aligning with the public welfare direction of China's healthcare reform [2]. Group 2: Market Dynamics - The medical insurance market is experiencing structural changes due to healthcare payment reforms, shifting the development logic from "supplementary" to "complementary," with commercial insurance focusing on differentiated areas such as outpatient drugs and mid-to-high-end services [4][5]. - The mutual insurance model's "co-construction, co-governance, and sharing" mechanism fills the gap between social security and traditional commercial insurance, creating a new type of security system through collaborative platforms and ecological synergy [5][6]. Group 3: Challenges and Innovations - The insurance industry faces a core dilemma of mismatched products and user needs, with traditional sales methods often leading to misunderstandings due to product complexity [7]. - The company is focusing on risk reduction for specific groups, such as potential liver disease patients, by developing innovative insurance products that enhance patient compliance and reduce economic burdens [6][7]. Group 4: Future Directions - The company aims to evolve medical health insurance from risk compensation to risk reduction, contributing to the "Healthy China 2030" initiative by leveraging technology for precise matching and continuous engagement with members [7].

Core Viewpoint - Ximei Mutual Life Insurance has undergone its first leadership change since its establishment eight years ago, with Yang Fan resigning and Hu Han being elected as the new chairman and CEO [2][4]. Group 1: Leadership Change - Yang Fan has resigned from all positions except for executive director and management committee member due to personal reasons [2]. - Hu Han has been elected as the new chairman and will also serve as the CEO and chairman of the management committee [2][4]. Group 2: Company Background - Ximei Mutual Life Insurance was established on May 26, 2017, and is the first mutual life insurance organization in China [2][4]. - The company has seen its membership grow from 0 to 104,000 and its asset scale increase to 54.846 billion yuan over the past eight years, achieving profitability for five consecutive years [4]. Group 3: Financial Performance - In 2024, Ximei Mutual Life Insurance reported insurance business income of 6.983 billion yuan, a year-on-year decrease of 23%, while net profit was 66.72 million yuan, a year-on-year increase of 16% [5]. - The company achieved a net investment return rate of 3.72% and a total investment return rate of 4.41% in 2024 [5]. - Since its establishment, Ximei Mutual Life Insurance has accumulated a profit of 54 million yuan [6]. Group 4: Mutual Insurance Model - The mutual insurance model involves members with similar risk protection needs forming a mutual fund through premium payments, which is then used to cover losses or provide benefits as per the contract [5][6]. - Initial operating funds for mutual insurance organizations must be raised by primary founding members and cannot be repaid until certain financial conditions are met [6].