Core Viewpoint - The article discusses the recent issues surrounding Baibaokun, a health service vertical search engine, which has faced significant operational challenges and user complaints regarding its promised rewards and services [2][9]. Company Overview - Baibaokun was established in October 2020 by ZhongAn Technology, a subsidiary of ZhongAn Insurance, which is China's first internet insurance company [2]. Operational Issues - Users have reported difficulties in redeeming promised shopping cards, with many expressing concerns that the platform may have ceased operations [4][9]. - The company has reportedly vacated its office space since September, with no presence at its registered location [5][6][7]. User Complaints - Multiple users have shared experiences of not receiving promised rewards, with complaints concentrated on the inability to redeem shopping cards after purchasing health rights products [15][17]. - A total of 24 complaints have been filed on a consumer complaint platform since October, all related to the failure to return shopping cards [15]. Legal and Regulatory Actions - Baibaokun has been officially filed for investigation, with users encouraged to submit evidence to law enforcement [13]. - Legal experts have advised consumers to be cautious of high-return promises and to maintain awareness of potential risks associated with such investments [21].

近日，"百保君暴雷"相关话题在社交媒体热度不断。 据悉，百保君是百保（上海）科技有限公司（下称"百保科技"）旗下平台，是一款健康服务搜索引擎。 其官网信息显示，百保君是一家做广告、卖"流量"的公司，帮助消费者找到保障顾问，帮助团队获客。 百保君于2020年10月由众安在线财产保险股份有限公司（下称"众安保险"）全资子公司众安信息技术服 务有限公司（下称"众安科技"）孵化成立，自创始之初即定位于打造数据驱动的算法保险。 据智通财经了解，百保君通过"售卖权益+返还超额京东e卡+返可提现积分"的模式吸引用户参与。今年9 月起，多位用户反应百保君京东e卡不能按时兑付，这也是"暴雷"事件由来。 智通财经获悉，近期百保君曾公告承诺退款，并披露了明确的退款方案。根据百保君的退款方案，部分 用户历史收益将大幅打折。即便以此种方式计算，也仅有少数用户曾收到"毛毛雨"的退款。 有消息称，百保君法定代表人李雪峰已被警方带走调查，涉案金额或超亿元。智通财经就此向相关方求 证被告知，"目前该案件处于侦查阶段。" 公开信息显示，百保科技已获得火山石资本、青橙鹿资本等投资。天眼查显示，众安科技持有百保科技 24.6799%股份。此前，众安 ...

百保君，是一款健康服务（保险）垂直搜索引擎。其官网介绍，百保君帮助消费者找到保障顾问，同时帮助团队获客。其近期业务模式为销售权益产品并 返还京东卡。 最近，在成立5年的时间节点上，该公司却出事了。 "要么退款，要么发货。"最近，网友小李（化名）在投诉平台上反映，自己通过百保君购买"住家护理保障权益某某版"，平台承诺送"京东卡"。但小李 称："到期了没有送京东卡，我500多张京东卡到现在没有（收）到⋯⋯" 今年9月前后，越来越多的人开始在各类平台吐槽称，百保君平台不再返京东卡。 在社交平台上，通过百保君平台薅"京东卡"羊毛的帖子仍在。不过，如今"羊毛"终化为泡影，"现在还能领取到吗？""你们这几天有领到卡的吗？"随着这 样的提问不断增多，百保君用户们猜测，平台是否已经跑路了？ 11月14日，《每日经济新闻》记者依据百保君平台官网信息，前往其运营公司百保（上海）科技有限公司（简称百保公司）办公所在地——上海市虹桥绿 谷广场B座。 写字楼前台接待处的工作人员称，百保公司在9月房租到期后就搬走了。 《每日经济新闻》记者在调查中发现，该平台"权益产品＋返京东卡＋积分兑换"模式早已为如今的境况埋下伏笔。 原办公地9月时已 ...

每经记者｜涂颖浩 李玉雯 袁园 每经编辑｜何小桃 文多 百保君，是一款健康服务（保险）垂直搜索引擎。其官网介绍，百保君帮助消费者找到保障顾问，同时帮助团队获客。其近期业务模式为销售权益产品并 返还京东卡。 最近，在成立5年的时间节点上，该公司却出事了。 "要么退款，要么发货。"最近，网友小李（化名）在投诉平台上反映，自己通过百保君购买"住家护理保障权益某某版"，平台承诺送"京东卡"。但小李 称："到期了没有送京东卡，我500多张京东卡到现在没有（收）到⋯⋯" 写字楼前台接待处的工作人员称，百保公司在9月房租到期后就搬走了。 《每日经济新闻》记者在调查中发现，该平台"权益产品＋返京东卡＋积分兑换"模式早已为如今的境况埋下伏笔。 原办公地9月时已人去屋空 近段时间，关于"百保君兑付危机"的话题在社交媒体上持续发酵。不少用户在社交网站上称："之前购买的权益，全都不返还京东卡了。" 《每日经济新闻》记者加入了一个200多人的"百保交流群"。群内，不断有用户发问到底如何领卡。比如其中一位用户就表示："怎么办？只给发了8张 卡，还有42张卡无法提取。" 这样的交流不只在这一个群里出现。在另一个近百人的百保交流群中，有人回 ...

Core Insights - The article discusses the launch of the commercial health insurance decision-making AI model, mind42.ins, by Shanghai Meixin Health Technology Group at a major industry exhibition in Shanghai [1] - CEO Zhang Xiaodong emphasizes the dual perspectives on AI in the insurance sector: one overly optimistic about AI's potential to replace human roles, and the other cautious due to risks associated with high-precision scenarios [1] - The company is addressing data fragmentation issues by deploying AI Agents to enhance decision-making processes even in suboptimal data environments [1] Company Strategy - The future core competitiveness of AI enterprises will depend on their irreplaceability in the value chain of "efficiency enhancement - cost optimization - ecological win-win" [3] - This strategy is fundamental to building a better pharmaceutical payment ecosystem and is the cornerstone for Meixin Health to provide dual-track solutions for pharmaceutical and insurance companies [3] IPO and Investment - Meixin Health is seeking a listing on the Hong Kong Stock Exchange, with notable joint sponsors including Goldman Sachs, CICC, and HSBC [4] - The company's investors include heavyweight institutions such as Ant Group and the Singapore Government Investment Corporation (GIC) [4] Product Offering - The mind42.ins platform is driven by the self-developed 'mind42.ai' intelligent hub, integrating nearly 400 million real insurance and medical claims data accumulated over eight years [5] - The platform enables clients to optimize decision-making processes in product design, marketing, and claims operations, achieving AI-driven medical claims review coverage of over 60% of cases and reducing average processing time to under 10 minutes [5] - The name "mind42.ai" references the classic sci-fi novel "The Hitchhiker's Guide to the Galaxy," where 42 is described as the "ultimate answer to life, the universe, and everything" [5]

Core Viewpoint - The recent "Baibaojun high rebate incident" has led to significant developments for ZhongAn Insurance, including the transfer of all shares of Baibao Company, the operator of Baibaojun, by its subsidiary ZhongAn Technology [2][3]. Group 1: Company Actions - ZhongAn Insurance announced that it has transferred all shares of Baibao Company, which operates Baibaojun, following the high rebate incident [2]. - The company stated that it had not participated in the actual management of Baibao Company and had only invested through an intangible asset evaluation [2]. - ZhongAn Technology decided to exit Baibao Company in 2024 and signed a share transfer agreement in May 2025 [2]. Group 2: Incident Details - The Baibaojun platform utilized a model of "purchasing rights + excess return of JD.com gift cards + high reward points" to attract customers, but it is currently unable to fulfill promised returns [3]. - Reports suggest that the amount involved in the Baibaojun incident may exceed 100 million yuan, although this figure has not been independently verified [3]. - Baibao Company was established in April 2021, with a registered capital of approximately 12.16 million yuan and a paid-in capital of 6.92 million yuan [3].

Core Viewpoint - The recent controversy surrounding "Baibaokun's collapse" has raised concerns among users regarding the company's business model and its ability to fulfill promised rewards, particularly the return of JD.com gift cards [2][4]. Group 1: Company Overview - Baibaokun is a health service vertical search engine established in October 2020 by Zhong An Technology, a subsidiary of Zhong An Insurance, which is China's first internet insurance company [2][24]. - The company operates under the name Baibaokun (Shanghai) Technology Co., Ltd., with a registered capital of approximately 12.16 million yuan and a paid-in capital of 6.92 million yuan [24]. Group 2: Business Model - Baibaokun's customer acquisition strategy involves a model of "purchasing rights + excess return of JD.com gift cards + high points rewards," which has raised questions about its profitability [4][13]. - For example, a product priced at 89 yuan promises a return of a 100 yuan JD.com gift card, creating an almost risk-free arbitrage opportunity for users [4][15]. Group 3: User Complaints - Users have reported widespread issues with Baibaokun, particularly regarding the failure to return promised JD.com gift cards upon the expiration of purchased rights [7][11]. - As of October, there have been 24 complaints on a platform regarding Baibaokun, all pointing to the inability to receive JD.com gift cards after the expiration of rights [7]. Group 4: Financial Implications - The total amount involved in complaints against Baibaokun may exceed 100 million yuan, although this figure has not been independently verified [4]. - Users have expressed confusion over how Baibaokun generates profit given the high rewards promised, leading to skepticism about the sustainability of its business model [22][23]. Group 5: Relationship with Zhong An Insurance - Baibaokun was incubated by Zhong An Technology, which holds a 24.68% stake in the company, raising questions about the accountability of Zhong An Insurance in the event of Baibaokun's failure to deliver on its promises [24][26]. - Users have previously inquired whether Zhong An Insurance would be responsible for Baibaokun's obligations, indicating a reliance on the brand's reputation [26].

Core Viewpoint - The article discusses the recent issues surrounding "Baibaokun" and its failure to return promised rewards to users, raising concerns about its business model and potential risks associated with its operations [3][5][10]. Group 1: Company Overview - Baibaokun is a health service vertical search engine established in October 2020 by Zhong An Technology, a subsidiary of Zhong An Insurance, which is China's first internet insurance company [3][31]. - The company operates through a WeChat mini-program and has been involved in a controversial business model that combines purchasing rights with excessive returns in the form of JD.com gift cards and high reward points [3][5][16]. Group 2: Business Model and User Complaints - Baibaokun's model involves users purchasing rights for a fee, with promises of returning higher-value JD.com gift cards and points, creating an almost risk-free arbitrage opportunity for users [5][18]. - Users have reported widespread issues, with many claiming they did not receive the promised JD.com gift cards after their rights expired, leading to a surge in complaints on various platforms [10][11][12][13]. - The total amount involved in complaints may exceed 100 million yuan, indicating a significant scale of the issue [5]. Group 3: User Experience and Incentives - Users are attracted to Baibaokun primarily due to the high rewards points that can be redeemed or withdrawn, rather than the rights themselves, which are often seen as secondary [26][28]. - The platform incentivizes users to recruit others, allowing them to earn points through referrals, which has led to a focus on recruitment rather than the actual use of the rights purchased [29]. Group 4: Financial Backing and Corporate Structure - Baibaokun has received multiple rounds of funding, including a 50 million yuan Pre-A round in April 2022, indicating investor confidence despite the current issues [33]. - The company is structured with Zhong An Technology as its largest shareholder, holding a 24.68% stake, which raises questions about the accountability and oversight from its parent company [31][32].

Core Insights - The "2025 Hurun U40 Chinese Entrepreneur Pioneers" list was released, highlighting 195 young entrepreneurs under the age of 40, with an average age of 37 [1][3] - Shen Peng, founder and CEO of Waterdrop Inc. (WDH.US), was recognized for his innovative contributions in the healthcare insurance sector [1][3] Group 1: Recognition and Impact - The Hurun U40 list focuses on influential entrepreneurs under 40, showcasing their industry impact and social contributions [3] - Shen Peng's inclusion reflects industry acknowledgment of his entrepreneurial strength and societal contributions [3][4] Group 2: Company Overview and Innovations - Waterdrop Inc. was founded in 2016 with a mission to leverage internet technology to enhance healthcare accessibility for the public, pioneering a new model combining major illness crowdfunding and personal insurance [4] - The company emphasizes collaboration with healthcare service partners to provide comprehensive health services and aims to address poverty caused by illness [4][5] Group 3: Technological Advancements - Waterdrop Inc. is committed to an "All in AI" strategy, investing nearly 300 million yuan annually in R&D and holding over 100 technology patents [4][5] - The company has developed its own insurance AI model, "Waterdrop Water Guardian," which is applied across various scenarios to improve service efficiency [4] Group 4: International Expansion - In 2023, Waterdrop established a licensed insurance brokerage in Hong Kong, expanding its service offerings to include financial planning and risk management for diverse client needs [5] - The company also launched a comprehensive service platform for talent development in the Hong Kong and Macau regions, addressing various life service needs [5] Group 5: Social Recognition and Leadership Roles - Shen Peng has received widespread recognition for his contributions to major illness assistance, insurance technology, and health services, including listings in Forbes and Fortune [5] - He holds various leadership positions in youth entrepreneur committees and has been acknowledged as an outstanding young entrepreneur in the Guangdong-Hong Kong-Macau Greater Bay Area [5]

在10余年的创业过程中，沈鹏积极投入到助力中国年轻人创业、年轻人职业发展等事务，担任全国青 联第十三届委员会委员、香港理工大学"启迪智慧师友计划"导师、中国政法大学商学院客座教授、香港大 学经管学院院务委员会委员、清华大学经管学院MBA企业家导师、浙江大学-香港理工大学联合中心校友 会副会长等职务，助力中国广大青年群体创新创业和职业发展。 沈鹏强调，对于水滴公司来讲，人才是核心竞争力。公司的未来以及价值取决于人才数量和组织能 力，而非外在条件。在现场交流环节，沈鹏还向大家推荐了《从0到1》《精益创业》等相关书籍。 作为北京大学光华管理学院杰出校友，沈鹏自2016年开始定期在北大光华管理学院进行创新创业相关 分享，并担任北大光华管理学院MBA校友导师。光华40周年之际，刘俏院长向沈鹏颁发了"北京大学教育 贡献奖"，表彰沈鹏积极支持光华管理学院发展。 原标题：水滴公司举办北大专场招聘宣讲会 沈鹏获颁"北京大学教育贡献奖" 11月5日，北京水滴科技集团有限公司（简称水滴公司）在北京大学光华管理学院1号楼111教室举办 校园招聘宣讲会，沈鹏分享了自己多年来的创业经验，并与现场100多名北京大学在校生面对面交流就业 与 ...