李琳的案例并非个例，艾瑞咨询近期对职场人群健康状况进行了调研，最新发布的《2025职场人"健康负债"白皮书》（以下简称《白皮书》）揭示了一组令 人担忧的数据：35岁职场人"健康负债"严重，三高、结节、颈椎病成"标配"，重疾理赔同样呈现明显年轻化趋势，19-50岁职场人中35岁以下约三成有重疾 理赔经历。与此同时，职场人的重疾险拒保率达37%，患肺结节、甲状腺疾病群体拒保率更超40%，带病群体用户健康保障风险仍存巨大缺口。 在北京一家互联网公司的员工李琳（化名）今年32岁，体检时查出乳腺和甲状腺结节，之后她尝试购买重疾险时发现，自己已经无法按照"标准体"来承保， 被多家保险公司拒保，或者只能"除外承保"。体检异常已经成为当代职场人的"标配"，却也成为了购买保险时的"拦路虎"。 月薪2万难抵重疾风险，7成职场人陷健康负债困境 《白皮书》数据显示，现代职场人深陷高强度工作及生活压力，职场人普遍以"锻炼少、熬夜刷屏、饮食高油盐"的不良生活习惯透支健康，疾病年轻化趋势 明显，健康负债正在成为职场人的隐形负担。 数据显示，超过70%的职场人体检结果亮起3项及以上红灯，易疲劳、睡不好、三高、结节、颈椎病成职场人标配，比例达 ...

Group 1 - The core viewpoint of the articles highlights the ongoing transformation in the commercial health insurance sector driven by DRG/DIP payment reforms and the increasing demand for innovative drugs and high-quality medical services [1][2][5] - The demand for mid-to-high-end medical services is on the rise, with consumers increasingly willing to pay for innovative drugs and diverse outpatient treatments, leading to a significant growth in demand for mid-to-high-end health insurance [2][3] - The integration of advanced technologies, particularly AI, is reshaping the efficiency and service experience in health insurance, with a projected compound annual growth rate of 85% for generative AI in the medical insurance sector [3][4] Group 2 - Commercial health insurance innovation must address three core tasks: comprehensive coverage, service upgrades, and innovative inclusivity to better serve a wider population [2][3] - Challenges in collaboration between commercial health insurance and the medical industry include limited scale and payment capacity, insufficient integration depth, and difficulties in data interoperability, which hinder the efficiency of commercial health insurance [2][4] - The introduction of one-stop settlement solutions aims to enhance the service experience by reducing the burden on patients to pay upfront and navigate complex reimbursement processes, thus facilitating better integration between commercial and public health insurance [4][5]