Group 1 - The core idea of the news is the launch of the "Commercial Insurance Calculator" by the Shanghai Medical Insurance Bureau, which aims to help consumers select tailored commercial health insurance products using intelligent technology [1][2] - The "Commercial Insurance Calculator" utilizes a data foundation based on "personal medical expense burden profiles," ensuring consumer privacy and data security while creating multidimensional population profiles [1] - The profiles categorize medical expense burdens into three main categories (high, medium, low) and nine subcategories, dynamically generating a "health insurance matching model" to recommend specific products [1] Group 2 - The "Commercial Insurance Calculator" is now available in the "Suishenban" personal account section, allowing users to receive intelligent insurance recommendations after granting authorization [2] - Currently, 11 insurance products are recommended, including hospitalization medical insurance, comprehensive medical insurance, critical illness insurance, outpatient emergency insurance, and specific disease insurance, covering essential protection needs [2] - The Shanghai government has adopted a "government-led, market-driven" approach to attract more insurance institutions, resulting in over 20 products launched in the personal account section, with more than 50,000 policies issued and premiums exceeding 30 million yuan, of which 93% were paid from personal accounts [2]

3月7日，互联网保险优选平台蚂蚁保公布了2024年健康险理赔数据：其合作保司全年通过蚂蚁保 平台累计向健康险在保用户赔付92亿元，服务理赔人次725万。作为链接保司和用户的平台，蚂 蚁保"安心赔"2024年累计为7万人次提供一对一真人专家协赔服务，"蚂蚁调解工作室"全年调解 955例理赔纠纷，累计协助用户获赔497万元。 数据显示，2 0 2 4年蚂蚁保平台上的重疾险平均理赔金额为7 7 9 2 0元，与行业平均水平相近； 重疾险单笔最大赔付金额达1 6 0万元，甲状腺癌、肺癌、乳腺癌位列赔付前三。另外，平台上 的住院医疗险平均理赔金额为6 5 8 6元，理赔的主要原因是乳腺癌、肺癌和肺炎。得益于"安心 赔"的便捷、智能的体验，住院医疗险单用户最高理赔次数多达1 4 0次。 "蚂蚁调解工作室"成功调解955例纠纷 协助用户获赔497万元 作为链接保司和用户的平台，从2 0 2 2年开始，蚂蚁保和合作保司持续升级"安心赔"服务，承 诺全程协赔和速度保障。目前，该服务已在健康险领域实现规模化覆盖，涵盖11家保险公司 的8 5款产品。"安心赔"的全程协赔包括理赔结论AI解读、一对一真人专家协赔和人民调解员 三个层面 ...