Core Viewpoint - The article discusses the increasing trend of "policy transfer" in the short-term health insurance sector, particularly in the context of slowing growth in new medical insurance policies. Existing customers are becoming a key target for mid-to-high-end medical insurance products, with insurance brokers and platform institutions actively promoting policy transfers [1][4]. Group 1: Policy Transfer Phenomenon - The phenomenon of "policy transfer," common in auto and long-term insurance sales, is now emerging in the short-term health insurance sector [2]. - An example is provided where a client, Ms. Liu, is advised by her insurance broker to transfer her expiring medical insurance policy to a new product, "Zhongminbao," which offers expanded coverage despite a significant increase in premium from several hundred to nearly 2000 yuan [3]. Group 2: Transfer Rules and Conditions - Different insurance products have varying rules for policy transfers. For instance, "Zhongminbao" requires the previous policy to be active and past the waiting period, with a minimum coverage of 150,000 yuan and a maximum deductible of 10,000 yuan [4]. - The transfer process is noted to be more complex than direct purchasing, requiring clients to submit their original policy details and health disclosures, which increases operational costs for insurance companies [4]. Group 3: Changing Consumer Demands - Consumer demand for medical insurance is evolving, with products that cover outpatient medications and special medical services becoming more popular. Products with relaxed health disclosures are particularly attractive to individuals with pre-existing health conditions [5]. - The expansion of coverage responsibilities is leading to increased premiums, and brokers can earn higher commissions by promoting more comprehensive mid-to-high-end medical insurance products [5]. Group 4: Considerations for Consumers - While policy transfers can waive waiting periods, consumers must be cautious about the underwriting process, which may be less convenient if health conditions fall within the inquiry limits. Existing health issues may not be covered under the new policy [5].

Core Viewpoint - The phenomenon of "policy transfer," common in car and long-term insurance sales, is increasingly appearing in the short-term health insurance sector, indicating a shift in consumer behavior and insurance marketing strategies [1][2]. Group 1: Policy Transfer in Short-Term Health Insurance - Policy transfer allows customers to switch their insurance responsibilities and premiums to another company before their current policy expires, with the potential to waive the 30-day waiting period [2][3]. - Various short-term health insurance products, such as China Pacific Insurance's "Jin Yi Bao" and ZhongAn Insurance's "Zhong Min Bao," currently support policy transfers, reflecting a competitive market [2][3]. Group 2: Conditions and Complexity of Policy Transfer - Different insurance products have specific conditions for policy transfer, such as the requirement for the previous policy to be active and the absence of claims [3]. - The policy transfer process is more complex than direct purchasing, requiring customers to submit health disclosures and specific coverage details, which increases operational costs for insurance companies [3][4]. Group 3: Changing Consumer Demand and Market Dynamics - The demand for health insurance is evolving, with consumers favoring products that cover external medications and special medical services, driven by changes in medical insurance payment methods [3][4]. - Insurance brokers are actively promoting policy transfers as a strategy to retain existing customers and increase commissions through the sale of more comprehensive high-end health insurance products [3][4].