2025年10月，一位乳腺癌复发并确诊肝转移的患者，在需要启用创新药"戈沙妥珠单抗"进行治疗时，她 所投保的"粉红卫士"乳腺癌复发险发挥了关键作用。该产品为这类创新药物预估了约35万元的总治疗费 用并提供保障，让患者能够免于经济上的后顾之忧，安心接受治疗。而这样的保障故事，正在越来越多 用户身上发生，成为守护健康与希望的真实写照。 在"健康中国2030"战略深入推进与医保改革进入深水区的双重背景下，商业健康险已不再是单纯的金融 支付工具，而是成为破解医疗资源不均、减轻患者负担、助推医药产业创新的关键力量。 泰康在线财产保险股份有限公司（以下简称"泰康在线"）作为互联网保险领域的头部企业，成立十周年 以来，凭借财险专业化经营和互联网渠道优势，率先打破传统健康险"保疾病"的局限，以"保人健康"为 核心理念，通过精准契合监管导向、深化"保险+服务"融合、构建"医药险"生态闭环、升级全生命周期 服务方案四大路径，持续引领健康险行业高质量发展，为行业转型提供了可复制的实践样本。 1 锚定监管导向， 填补保障缺口 健康险的高质量发展，离不开监管政策的引导与规范。近年来，从国务院《关于加强监管防范风险推动 保险业高质量发展 ...

Core Insights - The article highlights the 10th anniversary celebration of Taikang Online Property Insurance Co., Ltd, showcasing its growth and achievements in the internet insurance sector [1] Company Overview - Taikang Online has served over 300 million customers and surpassed 75 billion yuan in premium scale, achieving profitability for five consecutive years [1] - The company has collaborated with over a thousand partners to integrate insurance services into various internet, health, and consumer scenarios [1] Product Innovation - Taikang Online has launched several innovative products such as "Micro Insurance," "Good Effect Insurance," and "Rider Insurance," which have been well-received in the market [1] - The company currently has over 10 partners with a scale of 1 billion yuan and more than 50 partners with a scale of 100 million yuan [1] Future Aspirations - The chairman of Taikang Insurance Group expressed confidence that Taikang Online can evolve into a technology-driven internet insurance company with unique characteristics within the next five to ten years [1]

Core Insights - The Chinese insurance industry has undergone a significant transformation from "extensive expansion" to "meticulous cultivation" over the past decade, with technology being a key variable reshaping the industry landscape [1] - On November 18, 2023, Taikang Online celebrated its 10th anniversary, reflecting the digital transformation journey of the entire industry [1] - By 2024, Taikang Online's revenue reached 11.884 billion, a year-on-year increase of 24.38%, outpacing the overall industry growth [1] Financial Performance - In 2020, Taikang Online reported revenue of 6.759 billion and a net profit of -0.625 billion, while in 2021, revenue increased to 7.059 billion with a net profit of 0.047 billion [2] - The company has achieved positive net profit for four consecutive years, demonstrating sustainable profitability [1] Strategic Direction - In 2023, Taikang Online shifted its strategy from "insuring healthy people" to "insuring people's health," aiming to expand insurance coverage to the entire population and the full health management process [2] - The company has developed a layered protection system, including the "Micro Insurance·Million Medical Insurance," which has undergone 16 iterations, and high-end medical insurance services for premium needs [2] Technological Integration - Taikang Online has achieved over 97% automation in health insurance claims through technology, and has introduced an AI digital assistant, "Smart Xiaoru," to provide comprehensive health management services [2][3] Market Expansion - The company has extended insurance coverage to digital economy segments, launching products like "Rider Insurance" for delivery workers, serving over 4.4 million individuals, and the "Tai Le Bao" series for nearly 300,000 small and micro enterprises [3] - Taikang Online aims for a future vision of "good business, good finance, good service, and good investment" as it navigates the deepening digital transformation in the insurance industry [3]

Core Viewpoint - The article highlights the ten-year journey of Taikang Online, emphasizing its transformation from a broad expansion model to a specialized internet property insurance provider, focusing on innovation and high-quality development in the insurance industry [1][3]. Group 1: Company Development - Taikang Online has adhered to a professional operating strategy in property insurance, evolving from its inception in 2015 to a focus on value and efficiency by 2019, and entering a profitable era by 2021, now serving over 300 million customers with more than 30.5 billion yuan in claims [3]. - The company leverages three unique advantages: strong backing from Taikang Insurance Group, continuous innovation for market insights, and a robust internet foundation for efficient user engagement [3]. Group 2: Health Insurance Innovations - In 2023, Taikang Online introduced a new concept of "insuring people’s health" rather than just "insuring healthy people," aiming to cover all demographics and health management processes [5]. - The company has developed a specialized product matrix catering to various health statuses, including the "Good Effect Insurance" series for individuals with pre-existing conditions, covering multiple cancer types and providing significant financial support for treatments [6][7]. Group 3: Auto Insurance Experience - Taikang Online has redefined auto insurance by ensuring claims are processed within 24 hours, exemplified by a case during a severe flood where a customer received over 100,000 yuan in claims promptly [8]. - The company has built a comprehensive service network and offers various value-added services beyond traditional compensation, enhancing customer experience [9]. Group 4: Digital Life Protection - The company has integrated insurance into various digital life scenarios, providing coverage for gig economy workers and small businesses, thus addressing new social needs and enhancing security for these groups [10][11]. - Taikang Online's "Zhenpin Youyue" art insurance product fills a gap in the market by offering comprehensive risk management for high-value art collections, demonstrating its expertise in specialized insurance [12]. Group 5: Future Outlook - Looking ahead, Taikang Online aims to continue its commitment to making insurance more secure, convenient, and affordable, with a focus on becoming a more user-centric innovative internet insurance company [13].

Core Viewpoint - The commercial health insurance industry is increasingly focusing on insurance products for patients with pre-existing conditions, particularly in the context of disease recurrence insurance, which is expected to see significant growth by 2025 [3][4]. Group 1: Market Trends and Developments - The disease recurrence insurance market has seen new product launches, such as the "Good Effect Insurance" series by Taikang Online, which expanded coverage from breast cancer to include lymphoma and lung cancer [5]. - In 2024, the health insurance premium income reached 977.4 billion yuan, marking an 8.2% growth, but the industry is facing stagnation due to market saturation among healthy individuals [6][7]. - The concept of insuring patients with pre-existing conditions is still relatively new and unclear, with estimates suggesting that the market could be around 50 billion yuan, primarily driven by supplementary medical insurance and high-end medical insurance [9]. Group 2: Product Insights - The most notable products in the disease recurrence insurance category are breast cancer recurrence insurance, which has become the largest single product in this segment, and million medical insurance that covers pre-existing conditions [12]. - The "Zhongminbao" product by Zhong An Insurance achieved rapid success, collecting 1.4 billion yuan in premiums within ten days of launch, indicating strong market demand [12][13]. Group 3: Sales and Distribution Challenges - The primary challenge in selling pre-existing condition insurance lies in distribution channels, as traditional channels are primarily focused on healthy individuals, making it difficult to reach the target demographic [16]. - Collaborations with hospitals are being explored to facilitate access to patients, but these partnerships face regulatory and operational uncertainties [17][18]. - Alternative sales strategies include leveraging pharmaceutical companies' distribution networks, which have shown some success in the market [18]. Group 4: Financial Performance and Risk Management - Currently, the existing pre-existing condition insurance products have not reported losses, but concerns remain regarding the maturity of cost control capabilities [21][22]. - The risk of high claims in million medical insurance products remains a concern, particularly for those that initially relaxed underwriting standards to attract customers [23][24]. - Insurers are employing traditional cost control methods, such as increased premiums and strict underwriting, to manage risks associated with these products [24][25].