Report Industry Investment Rating No relevant content provided. Core Viewpoint Modern workplace employees are facing high - intensity work and life pressures, leading to poor health habits, high rates of abnormal physical examination results, and widespread health anxiety. At the same time, they have multiple economic pressures and insufficient ability to resist health risks. The existing insurance products in the market cannot effectively meet their needs, and there is a large "protection gap" that needs to be filled. The industry should optimize insurance products to meet the health protection needs of workplace employees [2]. Summary by Directory 01 Workplace Employees' Life and Health Status - Workplace employees have poor health habits, such as staying up late, having an unhealthy diet, and lacking exercise. Internet practitioners, those in first - tier cities, and the 25 - 30 age group are more prone to these bad habits [9][10][11]. - Over 70% of workplace employees have 3 or more abnormal items in their physical examinations. Different age and occupational groups have different distributions of abnormal items [13][15]. - 72% of workplace employees are afraid to look at their physical examination reports, and 13.7% do not participate in physical examinations. Those from first - tier cities, 31 - 35 - year - olds, and those from third - tier and below cities and 18 - 24 - year - olds are more likely to avoid physical examinations [17][18][19]. - Fatigue, poor sleep, "three highs" (hypertension, high blood sugar, high blood lipid), nodules, and cervical spondylosis are common among workplace employees. Different age groups have different health problems [20][21][22]. - Workplace employees in first - tier cities are more likely to have "three highs", and 31 - 35 - year - olds are the hardest hit by nodules [25][27]. - Over 90% of workplace employees actively formulate health management plans, but only 18.6% strictly implement them. Most people use exercise and diet control for health management [28]. - Over 80% of policyholders buy insurance for themselves, while less than half buy insurance for their parents [30][31]. 02 Workplace Employees' Health Protection Needs and Pain Points - 83% of 31 - 40 - year - old workplace employees bear the pressure of children's education and parents' medical care in addition to rent or mortgage payments. 31 - 35 - year - olds and those with chronic diseases have higher average monthly medical expenses [37][38][39]. - 80% of workplace employees consider hiring professional nursing care when their parents become disabled. 25 - 30 - year - olds and those in new first - tier and first - tier high - line cities have a higher willingness to hire, with different budget levels [41][42][43]. - When a family member has a serious illness, only 18.2% of workplace employees have sufficient funds to cope. 70.1% of 30 - 40 - year - olds and 53.2% of those in the service industry can only support 6 months and 3 months of living expenses respectively with their reserve funds [46][48]. - 82.3% of workplace employees recognize that commercial health insurance is a necessary supplement to medical insurance, but only 33.6% have actually purchased it. The average critical illness insurance amount is at least 447,000 yuan [49][51]. - Workplace employees are more willing to spend on entertainment than on insurance. 55.8% of them give up buying insurance due to complex terms and product selection confusion [53][54][58]. - The trend of younger critical illness claims is obvious, and the average annual medical expenses of claimants exceed 10,000 yuan. Over 30% of workplace employees with critical illness insurance claims are under 35 years old [62][63][64]. - Over 40% of workplace employees cannot buy suitable critical illness insurance due to underlying diseases, and the overall rejection rate of critical illness insurance exceeds 30% [67]. 03 Workplace Employees' Expectations for Health Protection - "Post - 90s" have become the main force in insurance purchases, with an average of 2 policies per person. Workplace employees who buy insurance are younger, more concentrated in high - line cities, and more likely to buy insurance [72]. - 57.6% of workplace employees prefer online insurance purchases. Those with a monthly income of ≥ 8000 yuan and married people with children are more likely to choose online channels [75][76][77]. - 42.3% of "Post - 90s" workplace employees expect to relax the restrictions on pre - existing conditions. Workplace employees also hope for simpler claims processes, higher claims efficiency, and personalized insurance products [79][80][81].