党的二十届四中全会审议通过的"十五五"规划建议为包括保险公司在内的金融机构实现高质量发展指明 了方向。站在"十四五"圆满收官与"十五五"谋篇开局的关键节点，新华人寿保险股份有限公司（以下简 称"新华保险（601336）"）党委书记、董事长杨玉成近日接受了《金融时报》记者专访，详细阐述了新 华保险践行"大保险观"的实践路径与责任担当。 《金融时报》记者："十五五"规划建议提出，要以推动高质量发展为主题，以改革创新为根本动力。您 如何理解全会为金融行业，特别是保险业带来的新机遇与新使命？这对新华保险的战略方向将产生怎样 的深远影响？ 杨玉成：全会部署的"建设现代化产业体系""加快高水平科技自立自强""加大保障和改善民生力度"等重 大任务，与保险业风险保障、资金融通、社会治理的"两器三网"功能高度契合，为行业开辟了价值实现 的广阔空间。面向"十五五"，我们坚信中国经济长期向好的基本面不会改变，寿险业作为民生保障 的"压舱石"、实体经济的"助推器"，正处于战略机遇期，发展空间巨大，前景光明。 具体来看，保险业将迎来四大战略机遇：一是养老金融机遇。面对人口结构性变迁，养老第三支柱政策 红利持续释放。保险业必须主动担当， ...

党的二十届四中全会审议通过的"十五五"规划建议为包括保险公司在内的金融机构实现高质量发展 指明了方向。站在"十四五"圆满收官与"十五五"谋篇开局的关键节点，新华人寿保险股份有限公司（以 下简称"新华保险"）党委书记、董事长杨玉成近日接受了《金融时报》记者专访，详细阐述了新华保险 践行"大保险观"的实践路径与责任担当。 《金融时报》记者："十五五"规划建议提出，要以推动高质量发展为主题，以改革创新为根本动 力。您如何理解全会为金融行业，特别是保险业带来的新机遇与新使命？这对新华保险的战略方向将产 生怎样的深远影响？ 杨玉成：全会部署的"建设现代化产业体系""加快高水平科技自立自强""加大保障和改善民生力 度"等重大任务，与保险业风险保障、资金融通、社会治理的"两器三网"功能高度契合，为行业开辟了 价值实现的广阔空间。面向"十五五"，我们坚信中国经济长期向好的基本面不会改变，寿险业作为民生 保障的"压舱石"、实体经济的"助推器"，正处于战略机遇期，发展空间巨大，前景光明。 具体来看，保险业将迎来四大战略机遇：一是养老金融机遇。面对人口结构性变迁，养老第三支柱 政策红利持续释放。保险业必须主动担当，将保险产品的长期 ...

Core Viewpoint - The article discusses the rising demand for healthcare and the limitations of social medical insurance, introducing mid-range medical insurance as a viable option for middle-class families seeking better healthcare coverage [1] Group 1: Definition and Features of Mid-Range Medical Insurance - Mid-range medical insurance is positioned between basic medical insurance and high-end medical insurance, offering comprehensive coverage for those with moderate financial means [2] - Key features include high coverage limits (e.g., Pacific Insurance's "Blue Medical Insurance" offers 3 million yuan for general medical coverage and 6 million yuan for critical illness) [2] - Broader medical service options, including access to special departments in public hospitals and certain private hospitals [2] - Coverage for expenses outside the social insurance catalog, including self-paid drugs and advanced medical technologies [2] - Lower or zero deductible options are available, enhancing affordability [3] - Premiums are generally more accessible, ranging from hundreds to thousands of yuan, making it feasible for most families [3] Group 2: Target Audience for Mid-Range Medical Insurance - Social insurance provides basic coverage but has limitations in reimbursement rates and coverage scope, particularly for new drugs and high-tech treatments [4] - Mid-range medical insurance serves as a financial buffer against high medical costs associated with serious illnesses, offering substantial annual coverage [4] - It enhances the overall healthcare experience by providing additional services such as expert consultations and post-discharge follow-ups [4] - It also covers advanced treatment options that are often excluded from social insurance, allowing access to better medical solutions [4] Group 3: Choosing Mid-Range Medical Insurance - Consumers should focus on coverage limits and the range of services included, ensuring the total coverage meets or exceeds 1 million yuan [5] - Consider the deductible amounts, as lower deductibles typically result in higher premiums [6] - Renewal conditions are crucial; guaranteed renewal ensures coverage continuity regardless of health changes [6] - Additional services like expedited hospital access and second opinions can significantly improve the healthcare experience [6] - Transparency in health disclosures and waiting periods is important for claims processing [6] - Selecting reputable insurance companies with strong service records is essential for smooth claims [7]