一大早，四川大学华西医院呼吸与危重症医学科的门诊外坐满了患者。坐诊的周永召教授调出一张张CT影像，那些 被标记为"肺结节"的微小阴影，往往是患者焦虑的来源。 "医生，会不会是癌？需要手术吗？" 整个上午，周永召教授接诊的40来位患者中，有七八位入院或被转至外科手术。更多人则带着"继续观察"的建议离 开，在不确定中进入漫长的随访期。 据世界卫生组织下属的国际癌症研究机构（IARC）最新数据，肺癌已连续十年位居全球癌症死亡率首位。在中国， 肺癌同样高居恶性肿瘤发病和死亡首位，而且约75%的患者诊断时已至晚期。 在"早发现、早诊断、早治疗"的肺癌防治共识下，低剂量胸部CT（LDCT）筛查日益普及。数据显示，目前我国通 过体检筛查出的肺结节人群，已达约1.2亿~1.5亿，这个数字甚至超过了糖尿病患者。 这不仅是一个医学问题，更是一场"心理海啸"，将越来越多的人抛入"谈结色变"的焦虑与漫长健康管理的困境中。 在此背景下，保险、科技与医疗领域正在悄然联动。《每日经济新闻》记者（以下简称每经记者）近期在成都调研 发现，在数字医疗辅助下，以肺结节为代表的特定风险保险市场已逐步展现出可评估、可承保、可管理的商业路 径。曾被视为 ...

保险业对于风险减量的探索已从理念走向实践，并加速向"以客户为中心"的服务模式转型。随着人 口老龄化加剧与客户健康需求的多样化，单纯依靠财务补偿的传统保险模式面临重构。对于健康险业务 而言，通过主动干预降低赔付风险、提升客户黏性，已成为可持续发展的关键路径。 2018年，中国太保成立医疗健康领域的全资子公司——太平洋医疗健康，从康复医疗和健康管理两 方面入手，推进中国太保"大康养"战略落地。从2025年该公司的"工作总结"来看，其目标主要是满足太 保寿险中高端客户在健康管理、慢病干预、康复护理等方面的需求。比如，落实太保寿险客层上移的战 略要求，升级细胞健康、精准早筛等产品，甄选优质大健康生态合作伙伴；为太保寿险至尊及超尊客户 创新性地提供境外体检项目，根据客户自身健康需求提供检测项目，由境外优选医疗机构提供高端体检 服务与专家解读。 "平安好医生持续赋能中国平安金融主业，加强保险业务的差异化竞争优势，助力其获客、黏客及 提升客户价值。"中国平安2025年中报这样评价平安好医生对保险业务的赋能作用。作为中国平安医疗 养老生态圈的线上旗舰，平安好医生联合平安寿险通过"保险+服务"等模式，将不同医疗养老服务权益 嵌 ...

2025年以来，我国保险业在风险管理经验不断累积的基础上，在物联网、人工智能等新技术的支持 下，持续加力促进风险减量，取得显著成效。 风险识别能力显著提升。例如，应用与人工智能深度融合的智慧遥感技术，实现大范围、高频次的 地域监测，结合图像识别与数据分析能力，可以快速精准监测田间虫情、作物苗情、气候灾情、土壤墒 情，助力田间管理更科学，有效帮助农业保险精准承保和理赔，也有效提升农业风险管理智能化水平。 风险管理端口前移。例如，保险公司以产业链为线索，将制造企业风险管理延伸到能源、电力等重 点领域，通过风险评估、设备巡查、场景勘验等方式，提前识别和化解可能风险点，将管理端口推向风 险产生的"最初一公里"。 多层协同体系得以构建。保险公司作为风险管理枢纽，有效串联起政府部门、专业技术机构、救援 力量等多方主体。例如，一些保险机构组织专业技术人员深入车间厂房排查安全隐患；汛期各方协同开 展的提前预警、避险转移等服务，已经成为灾害应对的"标配"。可以说，政府主导、保险驱动、专业机 构执行、家庭企业广泛参与的"风险共治生态"正在形成并逐步完善。 当然，保险业推进风险减量仍面临一系列深层次挑战。 一是标准之困。风险减量是 ...

2025年以来，我国保险业在风险管理经验不断累积的基础上，在物联网、人工智能等新技术的支持下， 持续加力促进风险减量，取得显著成效。 风险识别能力显著提升。例如，应用与人工智能深度融合的智慧遥感技术，实现大范围、高频次的地域 监测，结合图像识别与数据分析能力，可以快速精准监测田间虫情、作物苗情、气候灾情、土壤墒情， 助力田间管理更科学，有效帮助农业保险精准承保和理赔，也有效提升农业风险管理智能化水平。 风险管理端口前移。例如，保险公司以产业链为线索，将制造企业风险管理延伸到能源、电力等重点领 域，通过风险评估、设备巡查、场景勘验等方式，提前识别和化解可能风险点，将管理端口推向风险产 生的"最初一公里"。 多层协同体系得以构建。保险公司作为风险管理枢纽，有效串联起政府部门、专业技术机构、救援力量 等多方主体。例如，一些保险机构组织专业技术人员深入车间厂房排查安全隐患；汛期各方协同开展的 提前预警、避险转移等服务，已经成为灾害应对的"标配"。可以说，政府主导、保险驱动、专业机构执 行、家庭企业广泛参与的"风险共治生态"正在形成并逐步完善。 当然，保险业推进风险减量仍面临一系列深层次挑战。 一是标准之困。风险减量是 ...

本报讯 （记者冷翠华）由全国首个低空经济共保体发起的风险减量实验室近日在重庆正式揭牌。低空经济共保体于2025年 8月9日由19家重庆当地商业保险公司共同成立。风险减量实验室的成立，是该共保体运行四个月以来的又一里程碑事件。 （编辑 汪世军） 下一步，该实验室将聚焦四大发展方向：一是标准引领，开展风险机理溯源，打造"重庆标准、全国通用"的治理样板；二 是数据融合，研发专属风控模型，推动定价向"一机一策"精准跃升，助力企业降本增效；三是科技赋能，利用AI构建"事前画 像、事中预警、事后处置"全流程闭环，强化主动避险；四是生态共建，搭建政企学研开放平台，凝聚产业合力，护航低空经 济高质量发展。 据介绍，该实验室由低空经济共保体理事长单位人保财险牵头筹建，聚焦低空产业链全生命周期风险治理，聚焦开展理论 课题研究、风险机理溯源、行业标准制定、数据价值挖掘及智能风险减量服务创新。实验室通过构建"产学研用"深度融合的创 新生态，有效破解产业发展中的安全痛点，为低空经济提供全链条风险解决方案，着力打造成为具有全国影响力的低空安全治 理策源地与产业发展助推器。 ...

下一步，实验室将聚焦四大方向：一是标准引领，开展风险机理溯源，打造"重庆标准、全国通用"的治 理样板；二是数据融合，研发专属风控模型，推动定价向"一机一策"精准跃升，助力企业降本增效；三 是科技赋能，利用AI构建"事前画像、事中预警、事后处置"全流程闭环，强化主动避险；四是生态共 建，搭建政企学研开放平台，凝聚产业合力，护航低空经济高质量发展。 12月30日上午，在重庆市发展改革委、重庆金融监管局的指导下，由全国首个低空经济共保体发起的风 险减量实验室在重庆正式揭牌。低空经济共保体于8月9日由19家重庆当地商业保险公司共同成立，风险 减量实验室的成立是该共保体运行4个月以来迎来的又一里程碑。 据悉，该实验室由低空经济共保体理事长单位人保财险牵头筹建，聚焦低空产业链全生命周期风险治 理，致力于开展理论课题研究、风险机理溯源、行业标准制定、数据价值挖掘及智能风险减量服务创 新。实验室通过构建"产学研用"深度融合的创新生态，有效破解产业发展中的安全痛点，为低空经济提 供全链条风险解决方案，着力打造成为具有全国影响力的低空安全治理策源地与产业发展助推器。 揭牌当天，低空经济共保体成员单位、行业协会、高校科研院所、科技 ...

Core Insights - The insurance industry in China experienced significant growth in 2025, with life insurance companies achieving a record net profit of 462 billion yuan, a 62% increase year-on-year, driven by strong premium sales and improved investment returns [1] - The introduction of dynamic adjustment for predetermined interest rates marked a significant reform in life insurance pricing, moving from a fixed rate of 2.5% to a new cap of 2.0% for standard products [1] - The resurgence of participating insurance products became a key focus, allowing companies to transition from traditional fixed-income products to those offering guaranteed and variable returns, thus addressing challenges posed by low interest rates [1] - The release of the fourth "life table" provided a scientific basis for pricing in the next decade, utilizing a comprehensive dataset of nearly ten years of policy data [1] - The industry saw substantial capital replenishment through bond issuance exceeding 100 billion yuan and capital increases over 20 billion yuan, enhancing solvency [1] Group 1: Life Insurance Achievements - Record net profit of 462 billion yuan, a 62% increase year-on-year [1] - Dynamic adjustment of predetermined interest rates, with caps reduced to 2.0% for standard products [1] - Shift towards participating insurance products, addressing low interest rate challenges [1] - Release of the fourth "life table" for future pricing [1] - Capital replenishment through bond issuance and capital increases [1] Group 2: Property Insurance Highlights - New energy vehicle insurance turned profitable in 2025, reversing previous losses [1] - Implementation of "reporting and operation integration" to end price wars in the non-auto insurance sector [1] - Expansion of the "car insurance easy to insure" platform to include more vehicle types, addressing insurance accessibility issues [1] - Net profit for the property insurance sector surged by 52% due to favorable underwriting and investment conditions [1] - Adoption of technology for risk reduction, enhancing the social value of insurance [1]

面对极端天气，中国平安（601318）迅速响应，立即启动重大灾害应急预案，推出一系列应急服务举 措，从风险减量、快速理赔、暖心服务等多维度入手，全力保障客户生命财产安全，彰显保险业在灾害 应对中的社会责任与担当。截至12月31日，平安累计调派理赔人员超2580人，投入救援车辆超2108辆， 开展超2769次应急救援，处理雨雪相关报案3.1万笔，累计赔付金额超1.77亿元，最快一笔赔付10分钟内 完成。 冰灾雪情就是号令，全面升级应急服务 认识到本轮雨雪冰冻天气的复杂性和危害性，中国平安坚持"以防为主、防赔结合"的风险减量理念，在 寒潮预警发布初期便提前部署，确保各项应急资源就位。集团及旗下各家保险公司建立了覆盖灾前预 警、灾中响应、灾后理赔的全流程应急处理机制，确保为客户提供全方位的服务和保障。 在灾前防范环节，中国平安充分利用科技手段，向广大客户精准推送寒潮预警信息和雪天安全提示。依 托"鹰眼"系统，平安产险通过"平安好车主App""平安好生活App""平安企业宝App"等线上平台，及短 信、微信等多种渠道，已累计向客户发送预警提示超1.4亿条，内容涵盖行车注意事项、家庭防冻保暖 要点、企业防灾检查清单等。 ...

Core Viewpoint - The implementation plan for high-quality development of digital finance in the banking and insurance sectors emphasizes a dual-driven approach of digital technology and data elements, aiming to enhance the integration of the insurance industry into the real economy and national strategies [1][2]. Group 1: Digital Financial Development Goals - The plan outlines major goals for the insurance industry's digital financial development over the next five years, focusing on significant progress in digital transformation and the enhancement of capabilities driven by digital technology and data elements [2]. - It encourages the exploration of innovative applications of digital technology and data elements, aiming to improve financial service quality in key areas such as technology, green finance, inclusive finance, and elderly care [2]. Group 2: Organizational Structure and Governance - The plan prioritizes establishing a robust governance mechanism for digital finance, requiring insurance institutions to strengthen top-level design and build a digital operation system [3]. - It mandates the formation of leadership groups or committees responsible for digital finance, emphasizing the need for unified metrics that align digitalization with business growth and service quality [3]. Group 3: Risk Management and Service Integration - The plan identifies eight key areas for digital financial empowerment, highlighting the evolution of insurance from post-event compensation to risk reduction and insurance protection [4][5]. - It proposes the development of insurance products that provide risk coverage for technology enterprises, focusing on network security and data asset risks, thereby opening new opportunities for the insurance sector [4]. Group 4: Enhancing Financial Services - The plan calls for the development of personalized digital financial products to improve financial services in healthcare and elderly care, while addressing the digital divide [6]. - It emphasizes the importance of data collaboration between insurance institutions and healthcare providers to enhance consumer experience and compliance with data protection regulations [6]. Group 5: Support for Rural Revitalization - The plan encourages the use of IoT and AI technologies to broaden the scope of agricultural insurance products, enhancing efficiency in loss assessment and reducing moral hazard [6]. - It aims to integrate remote sensing and mobile internet data into agricultural insurance, thereby improving the overall risk management capabilities of the insurance industry [6].

Core Insights - The article emphasizes the importance of addressing population aging and developing a coordinated policy mechanism for elderly care as a key task in China's 14th Five-Year Plan [1] - Ping An has become the first brand in China to receive a five-star rating for home elderly care services, reflecting its commitment to social value and innovative integration [1] - The company is leveraging a vast system connecting nearly 250 million customers through finance, healthcare, elderly care, and AI technology, balancing commercial logic with social benefits [1] Group 1: Value Creation and Strategic Innovation - Ping An has redefined its role from a "risk bearer" to a "value co-creator," moving beyond traditional insurance models to address social needs [3] - The insurance industry is evolving into a 3.0 era focused on "protection, inclusive coverage, technology-driven, and service-oriented" contracts between the state and the people [3][5] - Ping An's "Red and Green Light" public welfare initiative has improved road safety in rural areas, demonstrating a shift from reactive to proactive risk management [5][7] Group 2: Strategic Pathways and Dual-Driven Model - The company’s dual-driven strategy of "comprehensive finance + healthcare and elderly care" addresses the structural imbalance in supply for the aging population [10] - This strategy integrates wealth management and health care needs, creating a synergistic effect that enhances customer engagement and service delivery [10][12] - Ping An's model transforms healthcare resources into financial service entry points, enhancing customer experience and loyalty [12][13] Group 3: Technological Empowerment and Social Impact - Technology is central to Ping An's strategy, with AI being utilized to address common social pain points and enhance operational efficiency [14][15] - The introduction of AI-driven services like "AI Super Customer Service" and "AI Family Doctor" aims to streamline financial, healthcare, and elderly care services [15] - Ping An's AI systems have significantly reduced claims processing times and improved accuracy, demonstrating a commitment to social responsibility and customer service [16] Group 4: Long-term Vision and Market Position - Ping An's approach integrates social value into its business model, positioning it for sustainable growth and resilience against market cycles [21][22] - The company has received positive evaluations from financial institutions, highlighting its strategic alignment with growth opportunities in wealth management and healthcare [22] - Ping An's commitment to ESG principles has led to high ratings, reflecting its leadership in responsible business practices and social governance [22]