近日，央视财经频道关注"AI健康管理"领域，专业机构预计，中国AI健康管理市场规模将超万亿元， 2027年预计增至2.59万亿元，年复合增长率超20%。随着人工智能技术正逐渐渗透到健康管理的各个环 节。国内AI健康管理市场也处于快速发展阶段，并展现出巨大的潜力。基于个人的健康管理数据和人 工智能技术的应用，国内的商业保险机构也开始改变原有的保费模式。 水滴公司创始人兼CEO沈鹏作为互联网保险科技企业代表接受采访，沈鹏表示，在亚健康与慢病管理需 求激增的当下，水滴在用"AI+保险+健康管理"的模式，打造一个覆盖用户健康全周期的智能服务生 态。将用户健康数据与保费责任及费用挂钩，随着用户健康状态的改善，保险责任及保费可以动态调 整。 我国有4亿多带病人群，过去由于受限用户数据缺失、核保复杂等因素，市面上带病体保险产品供给存 在缺口，他们很难为自己买到一份保险保障。近年，随着AI大模型快速发展，水滴也积极投入研发， 打造覆盖保险保障、大病救助、医药服务的全链路数字化解决方案。 图：水滴公司创始人兼CEO沈鹏接受央视采访 在AI赋能下，水滴保基于多年行业实践，依托长期积累的保险预核保、疾病协赔、健康增值服务等丰 富的 ...

Core Insights - The article highlights the launch of a new medical insurance product, "All Insurance," which does not require health declarations and guarantees renewal for five years, addressing the insurance needs of individuals with chronic diseases [1][3][4]. Group 1: Product Features - "All Insurance" allows coverage for general pre-existing conditions, excluding five severe categories, thus enabling individuals with chronic diseases like hypertension and diabetes to obtain insurance [3][4]. - The product offers a coverage limit of 2 million yuan for general medical insurance and 200 million yuan for critical illness medical insurance, with additional benefits for specific treatments [3][4]. - The insurance guarantees renewal for five years, with the maximum renewal age set at 105 years, catering to the needs of the elderly population [4]. Group 2: Market Context - The current market for medical insurance often employs a "yearly throwaway" strategy for individuals with pre-existing conditions, leading to potential coverage gaps [4]. - Approximately 75% of individuals aged 60 and above in China suffer from at least one chronic disease, indicating a significant market for tailored insurance products [4]. Group 3: Service Enhancements - The product includes value-added services such as "one-code payment," "check-up green channel," and "hospitalization green channel," enhancing the overall user experience [6]. - The insurance expands its hospital network to include ten private hospitals, providing users with more healthcare options beyond public hospitals [5]. Group 4: Industry Impact - Waterdrop Insurance aims to redefine the risk boundaries for insurable individuals with chronic conditions, leveraging extensive data to improve underwriting processes [7]. - The collaboration with Deutsche Assistance Life Insurance reflects a commitment to innovation in health insurance, focusing on customer-centric solutions [8].