在8月31日人身险产品利率切换时点即将来临之际，多位保险业内人士表示，重疾险价格也将迎来一轮 上涨。重疾险价格越来越贵，带来的是保险杠杆率下降，近年来这一现象持续显现，让消费者意兴阑 珊。同时，不少重疾险产品投保门槛颇高，比如一些年轻人因患有甲状腺结节等病症被拒之门外。在险 企一侧，重疾险赔付率走高、业务风险增大，叠加险企对储蓄险的押注，重疾险供给空间也受到挤压。 曾经在健康险领域扛大旗的重疾险，近几年经历了持续萎缩，让健康险整体增长乏力。同时，健康险内 部结构也在发生变化，杠杆率更高的医疗险逐步替代了重疾险的主流地位。 在健康险经历重构期以及政策鼓励健康险发展的背景下，业内人士认为，健康险需走出传统的纯保险保 障模式，同时加快从"保健康人"向"保人健康"转变，一张保单要涵盖专属保障、医疗服务、特色权益等 多个方面，发挥健康管理、支付创新、生态整合等价值，让市场供需更加适配、行业经营能力持续提 升。 ● 本报记者 薛瑾 杠杆率变化加剧内部分化 "前两年我想购买重疾险，因患有甲状腺结节，经纪人告诉我买不了，险企会拒保。最近几天又问了其 他保险中介，给出的答复依然是'不太好买'。中介说，如果切除结节后半年内未复发 ...

在当今复杂多变的金融市场环境下， 保险公司的市场价值不仅反映了其当下的经营成 果，更是对未来发展潜力的一种映射。 随着经济的持续发展、居民保险意识的逐步提升以及行业监管的日益完善，中国保险行 业正经历着深刻的变革与重塑。 自2014年以来，我们每年推出《中国保险公司市场价值排行榜》，旨在通过客观、全 面、公允、准确的评估，展现国内保险公司的市场地位与价值表现。 1 中国保险公司 2025年市场价值排行榜 | l O | 十円未四 | 011.17 | | --- | --- | --- | | 19 | 阳光集团 | 744.49 | | 20 | 阳光人寿 | 737.53 | | 21 | 国寿财险 | 725.65 | | 22 | 中华财险 | 415.45 | | 23 | 平安养老 | 406.86 | | 24 | 中华保险集团 | 400.02 | | 25 | 中信保诚 障 | 379.38 | | 26 | 大地财险 | 352.16 | | 27 | 中再财再 | 343.41 | | 28 | 中英人寿 將 | 341.35 | | 29 | 华泰集团 | 339.79 | | 30 ...

Core Viewpoint - The article emphasizes the vital role of insurance agents in providing not just financial products, but also emotional support and guidance during critical times, showcasing their impact on families facing health crises [2][20]. Group 1: Role of Insurance Agents - Insurance agents are portrayed as more than mere salespeople; they are seen as guardians who help families navigate risks and uncertainties, providing essential support during challenging times [2][20]. - The stories of agents like Wang Nana and Wei Jie illustrate how their professional dedication and personal connections with clients lead to significant positive outcomes in times of need [10][20]. Group 2: Case Studies - The case of Wu Han highlights how Wang Nana's advice prevented a family from canceling their health insurance, which later proved crucial when their child was diagnosed with a serious illness [4][8]. - Wang Nana's proactive assistance in the claims process resulted in a timely payout of 428,900 yuan, which covered treatment costs and provided financial relief during a critical period [8]. - Wei Jie’s long-term relationships with her clients demonstrate the importance of trust and personalized service in the insurance industry, leading to successful claims and client satisfaction [12][15]. Group 3: Professionalism and Commitment - The article underscores the commitment of agents like Xu Lihong, who not only sell insurance but also act as mediators in complex situations, ensuring that clients receive the support they need [16][19]. - The dedication of these agents to their clients is reflected in their willingness to go beyond contractual obligations, providing emotional and logistical support during crises [20][21]. Group 4: Industry Recognition - The recognition of exemplary agents through initiatives like the "Hundred Star Members" program by China Life Insurance highlights the industry's commitment to professionalism and customer service [21]. - The introduction of the "Five Hearts and Five Actions" cultural system by China Life emphasizes the core values of empathy, craftsmanship, teamwork, perseverance, and joy in the insurance profession [21].

Core Insights - The Chinese insurance market is vibrant and shows significant potential for growth despite being classified as an emerging market based on penetration rates and per capita spending [1] - The long-term outlook for life and health insurance in China is positive, with expected market share in the global market rising to 17% over the next decade [1] Market Potential - The life and health insurance market in China is projected to grow faster than GDP over the next ten years, enhancing its importance in the global insurance landscape [1] - The insurance depth and density in China are still low compared to global standards, indicating substantial growth opportunities in the coming years [4] Demographic Changes - The aging population in China is a significant driver for the life and health insurance market, with projections indicating that by 2035, 30% of the population will be aged 60 and above [3] - The demand for retirement financial products, including coverage for insurance, commercial pension insurance, and long-term care insurance, is expected to increase significantly [3] Health Insurance as a Growth Engine - The health insurance sector is anticipated to become a new growth engine, driven by policy reforms and a shift towards coverage-oriented products [3][4] - The introduction of innovative commercial health insurance products, particularly in the medical insurance sector, is expected to accelerate growth [3] Asset-Liability Management - The insurance industry faces a significant asset-liability duration mismatch, with liabilities averaging over 12 years and assets around 6 years [6] - In a low-interest-rate environment, insurance companies are exploring "light cash value" products to enhance underwriting profits and address reinvestment pressures [5][6] Product Innovation - The industry is focusing on developing "convertible products" that can adapt to different life stages, transitioning from death coverage to income protection and long-term care [2][6] - The ongoing automation and AI advancements are improving underwriting efficiency and accessibility of life and health insurance products [3]

Core Insights - The Chinese life and health insurance market is expected to experience significant growth opportunities driven by demographic changes, healthcare payment reforms, and the introduction of innovative commercial health insurance products [1][6]. Group 1: Market Outlook - Despite current pressures such as low consumer demand and declining interest rates, the outlook for China's life and health insurance market remains optimistic, with premium growth expected to outpace GDP growth over the next decade [2][6]. - By 2024, China's life and health insurance premiums are projected to reach USD 584 billion, accounting for 15% of the global market, with expectations to increase to 17% in the next ten years [2][6]. Group 2: Key Growth Opportunities - The demographic shift in China, with the proportion of individuals aged 60 and above expected to rise from 22% in 2024 to 30% by 2035, will significantly increase the demand for retirement financial products, including life insurance, commercial pension insurance, and long-term care insurance [6]. - Reforms in healthcare payment methods (DRG/DIP) and the establishment of innovative commercial health insurance drug directories will clarify the roles of basic medical insurance and commercial insurance, facilitating the introduction of innovative products to cover specialized treatments [6]. - The further opening of the medical market, including the encouragement of foreign-owned hospitals, is anticipated to attract advanced medical services and global best practices, stimulating innovation in the health insurance sector, particularly in high-end products [6]. Group 3: Trends in Health Insurance - The health insurance market in China has seen a compound annual growth rate of over 30% in recent years, with premium income exceeding CNY 800 billion by 2020, although growth rates may stabilize moving forward [7]. - Three key areas are identified for future growth in health insurance: medical insurance, critical illness insurance, and nursing insurance, with medical insurance expected to maintain high growth rates due to ongoing reforms and product innovations [7][8]. - The introduction of mid-range medical insurance products is seen as a positive development, enhancing consumer access to new medical services and drugs, while also presenting challenges for insurance companies to develop suitable products that meet consumer needs [8].

Core Insights - The insurance industry in China has shown stable growth in premium income and claims payout in the first half of the year, with total premium income reaching 3.74 trillion yuan, a year-on-year increase of 5.3%, and claims payout amounting to 1.35 trillion yuan, up 9.41% [2] Group 1: Claims Data and Health Risks - The most claimed insurance type by China Life Insurance was medical insurance, with 2.26 million claims and a payout of 3.467 billion yuan, where respiratory diseases, bodily injuries, and digestive system diseases accounted for 52.69% of the claims [2] - The most claimed insurance type by China Pacific Life Insurance was critical illness insurance, with 1.947 million claims and a payout of 9.92 billion yuan, where the highest claims were for malignant tumors, minor strokes, and acute myocardial infarctions [3] - Chronic diseases significantly contribute to medical expenses, with the top five chronic diseases being coronary artery disease, hypertension, hyperlipidemia, thyroid nodules, and chronic gastritis [3] Group 2: Technological Advancements in Claims Processing - Insurance companies are leveraging technology to enhance claims processing efficiency, with Ping An Life introducing an intelligent review engine that can process 93% of claims within 60 seconds [6] - Xinhua Insurance has implemented a direct connection service for seamless claims processing, covering 12 provinces and serving approximately 993 clients with a payout of 3.09 million yuan [7] - The insurance industry has activated emergency claims procedures in response to major disasters, with Tai Ping Life initiating 65 emergency plans in the first half of the year [7] Group 3: Evolving Insurance Landscape - Advances in medical diagnostics and treatment are reshaping the insurance landscape, particularly in life and health insurance, with early diagnosis leading to better treatment outcomes and a shift in risk assessment [8] - The Munich Re report indicates that while cancer remains a leading cause of death claims, the mortality rate has improved significantly over the past few decades, suggesting a need for insurance companies to adapt their policies accordingly [9] - The complexity of critical illness insurance products is increasing, necessitating continuous updates in medical knowledge for insurance professionals to effectively manage claims [9]

Core Insights - The rise of internet insurance is attributed to its convenience, allowing consumers to complete the entire process from purchasing to claims online, but issues such as "easy to purchase, difficult to claim" have been reported by some consumers [1] Group 1: Product Issues - The evaluation revealed that product names can be misleading, such as the "Personal Million Comprehensive Accident Insurance," which implies a coverage of up to one million but actually offers only 100,000 for accidental death or disability and 10,000 for medical compensation [2] - There is a discrepancy between the actual coverage and the promotional claims, with some products highlighting benefits like "no health status restrictions" while failing to deliver on these promises [3] Group 2: Information Disclosure - The assessment found that many internet insurance products lack comprehensive information disclosure, leading to a mismatch between marketing claims and actual benefits [3] - The evaluation involved 10 major internet insurance sales platforms and 35 insurance companies, covering a total of 150 insurance products, including 80 medical insurance, 30 critical illness insurance, and 40 accident insurance products [3]

Core Insights - The insurance industry is experiencing a significant increase in claim payouts and service efficiency, with digital and intelligent claims processing becoming standard practice [1][2][4] Group 1: Claim Performance - Major insurance companies reported substantial claim volumes in the first half of 2025, with China Life Insurance processing over 12.14 million claims totaling over 30.2 billion yuan, and Ping An Life handling 2.377 million claims amounting to 20.62 billion yuan [2] - The industry maintains a high claim approval rate, with several companies exceeding 99%, including China Life and Citic Prudential, which both achieved 99.6% [2] - Critical illness insurance accounted for a significant portion of claims, with China Pacific Insurance reporting 5.23 billion yuan in critical illness claims, representing 52.7% of their total payouts [2] Group 2: Medical Insurance Trends - Medical insurance claims are the most frequent, with Ping An Life reporting that 92% of their claims were for medical insurance, while Sunshine Insurance reported 83.7% [3] - The prevalence of medical claims highlights the close connection between insurance products and public health needs [3] Group 3: Technological Advancements - Insurance companies are leveraging technology to enhance claims efficiency, with Ping An Life achieving 93% of automated claims processed within 60 seconds using their DeepSeek model [4][5] - China Life's claims processing time has improved significantly, with small medical claims being settled in an average of 0.37 days [4] Group 4: Direct Payment Services - The industry is focusing on "direct payment" services, allowing for seamless integration between hospitals, health insurance, and commercial insurance, enabling patients to settle claims upon discharge [6][7] - China Life has pioneered direct payment initiatives, processing over 3.91 million direct payment claims worth over 2.13 billion yuan in the first half of 2025 [7] - Other companies, such as Ping An Life and Taikang Life, have also introduced similar direct payment services, enhancing customer convenience [7]

Core Viewpoint - The company is actively promoting anti-fraud awareness and insurance knowledge through a nationwide campaign, integrating various promotional methods to enhance public safety and financial responsibility [1][9]. Group 1: Campaign Overview - The campaign is part of the "7.8 National Insurance Publicity Day" and "National Anti-Fraud Action Month," aiming to weave a protective net against fraud while promoting insurance concepts [1]. - The company utilizes both online and offline channels to create a comprehensive promotional network, leveraging social media, customer service groups, and short video platforms to disseminate anti-fraud information [2]. Group 2: Targeted Outreach - The company focuses on face-to-face interactions, providing anti-fraud manuals during customer service and discussing recent fraud cases to educate clients [5]. - Customized promotional plans are developed for key demographics such as the elderly, youth, and new citizens, ensuring targeted education on fraud prevention [6][7]. Group 3: Integration of Insurance and Anti-Fraud Education - The campaign combines anti-fraud messaging with insurance education, emphasizing the importance of understanding financial products and recognizing scams [8]. - Activities include community engagement, where staff explain the differences between legitimate insurance processes and fraudulent schemes, enhancing public awareness [8]. Group 4: Future Commitment - The company plans to continue integrating anti-fraud education into daily services, reinforcing its commitment to safeguarding public financial security and promoting a culture of awareness [9].

Core Viewpoint - The safety of health insurance companies is comparable to that of life insurance companies, with both types of insurance being regulated under the Insurance Law, ensuring that policies typically remain valid even if the company goes bankrupt [1][3][6] Group 1: Coverage and Product Differences - Health insurance companies focus on personal health-related products such as medical insurance, critical illness insurance, disability income loss insurance, and nursing insurance, while life insurance companies offer a broader range of products including life insurance, annuities, savings insurance, critical illness insurance, and accident insurance [1][2] - There is some overlap in the products offered by both types of companies, as life insurance companies in China are permitted to sell certain health-related insurance products, subject to regulatory requirements [1][2] Group 2: Underwriting Conditions - Health insurance companies impose stricter underwriting conditions, often requiring detailed health assessments and having lower age limits for applicants, while life insurance companies generally have more lenient health requirements and higher age limits [2][3] Group 3: Bankruptcy Mechanisms - In the event of bankruptcy, life insurance contracts and reserves must be transferred to other life insurance companies, ensuring continuity of coverage for policyholders [3][4] - For health insurance companies, the treatment of policies depends on whether they are classified as long-term or short-term products; long-term health insurance policies typically remain valid even after bankruptcy, while short-term policies may enter liquidation [4][5] Group 4: Regulatory Protections - Both life and health insurance companies are required to contribute to an insurance guarantee fund, which provides relief to policyholders in the event of company bankruptcy [3][4] - The guarantee fund covers personal losses, with full compensation for amounts below 50,000 yuan and 90% compensation for amounts above that threshold in the case of short-term health insurance policies [4][5] Group 5: Overall Safety and Confidence - The probability of bankruptcy for both life and health insurance companies is low, and regulatory bodies are in place to ensure that policyholders' rights are protected, reinforcing confidence in the insurance system [6]