在圆桌交流环节，招商信诺总经理助理兼网电事业部总裁 顾育匡 ，太平洋健康险广东分公司总 经理 周卿 ，众惠财产相互保险社首席营销官、创新中心总经理 张耀辉 ，工银安盛人寿健康险 事业部负责人 杨柳曳 ，镁信健康首席商务官 郎立良 ， 针对健康险发展的挑战与机遇进行了深 入探讨。由明亚保险经纪营销中心助理总监 刘存鑫 主持。 2025年6月27日，清华大学五道口金融学院受邀在第14届中国（广州）国际金融交易·博览会上 举办主旨会议。会议由清华大学五道口金融学院主办，北京清控金媒文化科技有限公司、广州 金交会投资管理有限公司、《清华金融评论》编辑部承办。会议以"新产业、新技术、新模式、 新动能——数智金融助力高质量发展"为主题，为期1天，设置主旨演讲、高端对话、主题发言 和圆桌交流环节。多位来自金融、保险、法律与健康产业领域的顶尖学者和资深从业者，围绕 普惠金融发展、数智化金融创新、产业并购机遇及健康险生态合作等话题进行了深入交流。 顾育匡表示， 高端医疗客户的需求不仅仅是普通医疗服务，而是对优质医疗资源和健康管理服 务有较高要求。顾育匡结合自身就医经历，强调了医疗网络构建、专业能力建设的重要性。他 认为，应在全 ...

这一背景下，用户对先进医药的核心需求呈现出哪些特征？保险作为兼具金融属性与保障功能的产品， 其稳定性与医药技术的快速迭代之间存在天然差异。如何在这种矛盾中寻求两者的协同发展，实现相互 兼容与价值互补？近日，行业专家、保险机构代表围绕医疗保障领域的用户需求、产品创新及体系发展 展开深度对话。 商业医疗险新突破 我国医疗保障体系以基本医保为基石，已实现超广覆盖。截至2024年底，全国基本医保参保人数达 13.26亿人，参保率稳定在95%左右，且覆盖面持续扩大。从待遇数据看，2024年享受医保门诊待遇总 人次同比提升37%，次均住院费用约8000元。同时，药品目录扩容、支付方式改革、异地就医结算优化 等政策不断落地，持续夯实保障基础。 但基本医保也存在一些局限。"由于基本医保总基金量的限制，为了让基金用到更需要的地方，所以医 保采取了一些控费措施，但这也在某种程度上降低了患者的获得感。"在中国人民大学财政金融学院保 险系主任魏丽看来，解决控费和获得感的矛盾为商业保险深度参与医疗保障体系创造了广阔空间。 解决控费和获得感的矛盾为商业保险深度参与医疗保障体系创造了广阔空间。 在民众健康意识觉醒、医疗技术加速迭代的当下， ...

未来高质量的医疗保障体系必将走向医、药、险融合。 随着重疾险势弱，医疗险已成为健康险市场的"新主角"。有行业数据显示，医疗险正在超越重疾险，成 为健康险第一大险种。 不过，在健康险内部，保费结构正在悄然发生变化。根据泰康保险集团战略发展部发布的《健康险2025 展望报告：专业化时代的增长密码》数据显示，2024年医疗险预计增速超10%，超过健康险整体8.2%的 增速，医疗险保费在健康险保费中占比约为44%。这一占比首次超过了重疾险（占比约为43%），成为 健康险市场第一大险种。 医疗险过去几年增长的主要动力之一无疑来源于依靠价格杠杆形成吸引力的百万医疗险。但在目前的医 保改革下，过去单纯作为基本医保补充的这类产品，其支付效用被业界认为将受到影响。尽管业内普遍 认为商业医疗险未来仍有较大空间，但发展内核显然将发生变化。 与会人士表示，在多层次医疗保障体系中，基本医保作为基础，覆盖人群已超过13亿人，但仍有部分群 众的高端/高价值医疗需求难以得到满足。随着医保支付DRG/DIP改革全面铺开，用户的就医方式和就 医费用发生了深刻变化，高价值医疗需求和供给的矛盾更加明显，这也给商业医疗险带来更多的发展空 间，特别是在 ...

Core Insights - The insurance industry is transitioning from a focus on scale and speed to one centered on value and efficiency, as highlighted by the new "National Ten Articles" [1] - The low interest rate environment poses significant challenges for life insurance companies, leading to a shift in product offerings and business strategies [2][3] - Companies like China Merchants Life Insurance are actively transforming their product structures, moving away from fixed income products to floating rate products, which helps mitigate interest spread loss risks [3][4] Industry Trends - The life insurance sector has historically relied on savings-type products, leading to interest spread dependency, which is now being challenged by declining interest rates and market volatility [5] - The focus is shifting towards pure protection products, with health insurance becoming a key area of growth due to demographic changes and government policies [5][6] - The health insurance market is approaching a scale of nearly one trillion, with expectations for rapid growth driven by aging populations and health initiatives [5] Company Strategy - China Merchants Life Insurance has set a target for health insurance products to account for 61% of its offerings by 2024, with a significant increase in health insurance premium income [5][10] - The company is prioritizing high-end medical insurance, leveraging its strong distribution channels and expertise to capture market demand [7][8] - A comprehensive health management service system is being developed to differentiate the company in the competitive landscape, with a focus on integrating health services with insurance products [9][10] Financial Performance - In 2024, China Merchants Life Insurance reported a 19.74% increase in insurance business revenue, reaching 41.483 billion, with new business value growing by 38% [11] - The company achieved a net profit of 559 million, marking a 31.52% year-on-year increase, while maintaining strong solvency ratios [11]

作为医疗险领域的新兴力量，中端医疗险巧妙地介于百万医疗险和高端医疗险之间，凭借独特的优 势，迅速在市场中站稳脚跟，成为众多保险公司竞相布局的"新宠"。 "从平安健康险的数据来看，去年中端医疗险的保费增长高达7倍。"在近日参加第一财经的电视访谈 时，平安健康险总经理助理喻宁透露了上述数据。 "重疾不重"创始人、业内资深从业专家丁云生更是预测："未来中端医疗险的保费或将达到千亿级 别，甚至可以靠近万亿级别。" 毋庸置疑的是，中端医疗险的黄金时代已然开启。回头看，这股热潮背后是怎样的市场驱动力？向前 看，在未来的发展道路上，中端医疗险又将走向何方？ 市场新变革下，中端医疗险强势"走红" 对健康险业内人士来说，2024年具有里程碑式的意义。这一年，健康险保费结构发生了历史性的转 变。根据《健康险2025展望报告：专业化时代的增长密码》数据统计，2024年医疗险规模首次超过 重疾险，以约44%的占比成为健康险市场第一大险种，行业由此迈入"医疗险主导的专业化时代"。 而在医疗险市场中，如果说百万医疗险是这几年撑起了医疗险增长的"基本盘"，那从2024年开始中 端医疗险的强势"走红"，则被视为医疗险市场的下一个重要增长点。 ...

Core Insights - Ping An Health Insurance released its first sustainable development report, showcasing its commitment to sustainable insurance, responsible investment, social welfare, and corporate governance as it celebrates its 20th anniversary [1] Group 1: Sustainable Insurance and Financial Contributions - In 2024, Ping An Health Insurance achieved a sustainable insurance premium income of 13.039 billion yuan and a responsible investment scale exceeding 4.449 billion yuan, with public welfare donations exceeding 2.636 million yuan [1][2] - The company has developed various insurance products targeting high-tech industries and strategic emerging sectors, enhancing the quality of service to the real economy [2] Group 2: Green Finance Initiatives - Ping An Health Insurance actively practices responsible investment principles, with a responsible investment scale of 4.449 billion yuan and green investments amounting to approximately 0.781 billion yuan [2] - The company aims to reduce its carbon footprint through energy-saving management and green financial education initiatives [2] Group 3: Inclusive Finance and Product Development - The company focuses on expanding its inclusive finance product offerings, particularly for children and chronic disease patients, with a total sustainable insurance premium income of 13.039 billion yuan in 2024 [3] - Ping An Health Insurance has provided health insurance solutions to 85,000 enterprises, serving 16 million individuals [3] Group 4: Health Management and Service Integration - The company is transitioning from traditional insurance to a model that integrates health management services, enhancing its product offerings with services like medical accompaniment and rehabilitation guidance [4] - In 2024, the company reported a 62% increase in hospitalization claims and high customer satisfaction rates for its services [5] Group 5: Social Responsibility and Community Engagement - Ping An Health Insurance is committed to social responsibility, with public welfare donations of 2.636 million yuan in 2024, focusing on health support for vulnerable groups [7] - The company has conducted 1,382 financial fraud prevention and health consultation activities, reaching over 30 million individuals [8] Group 6: Future Commitment and Vision - The company emphasizes its long-term commitment to sustainable development and aims to continue enhancing its role in promoting economic development and improving people's livelihoods [8]