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爱心人寿张延苓:健康管理是保险风险减量的重要手段
Sou Hu Wang· 2026-01-27 07:15
Core Viewpoint - The insurance industry is undergoing a significant transformation driven by aging populations and increasing health care demands, with health insurance becoming a crucial component in connecting various sectors and enhancing social security [1][2]. Group 1: Health Management Services - Health management services are seen as a win-win strategy for insurance companies and policyholders, serving as an essential means of risk reduction [1]. - The company aims to develop a health management system tailored to its growth model, emphasizing the importance of health management in mitigating risks [1]. Group 2: Business Transformation - The launch of health management products marks a critical step in the company's transition from a "risk payer" to a "health manager" [2]. - The future competition for insurance companies will hinge on resource integration and service quality rather than pricing [2]. Group 3: Performance Metrics - By 2025, the company's medical insurance accounted for 16.33% of total claims, while the payout amount was only 0.71% [2]. - As of December 31, 2025, there were 1,000 effective clients for cancer insurance, with 789 registered on health management platforms, representing 78.9% [2]. Group 4: Strategic Direction - In 2026, the company plans to continue focusing on the "insurance + medical" core strategy, integrating more quality medical resources and deepening its specialization in disease coverage [3]. - The company aims to leverage technology and expand its ecosystem to make insurance services more integrated into daily life, providing support and strength to families [3].