"当命运的风暴袭来，总有一双手，默默托起你摇摇欲坠的勇气。"——对于乳腺癌复发患者H女士(化 名)而言，这份"托举"的力量，来自一份保险承诺。一份仅用5个工作日到账的10.5万元理赔款，为乳腺 癌复发患者H女士(化名)的抗癌之路注入了一剂"强心针"。从确诊到复发，从手术到理赔，这场持续6年 的生命拉锯战中，保险不仅成为经济支撑，更化作直面病魔的底气。 2024年6月，命运再次考验H女士(化名)。复查结果显示乳腺癌已发生肝转移，治疗费用的压力裹挟着复 杂的情绪极速涌来。担忧之际，她想起那份尘封的保单，于7月1日向保险公司提交了理赔申请。令她惊 喜的是，保险公司仅用5个工作日便完成审核，10.5万元理赔款迅速到账。"从提交材料到收到钱，比我 想象中快太多！"H女士(化名)感慨道，"抗癌是场持久战，但保险让我有了更多选择权。" 2018年7月，38岁的H女士(化名)在体检中被确诊为左乳癌，病理类型为乳腺浸润性小叶癌，术后病理分 期为I期，LB型。手术切除了病灶，却未能消散她心中的恐惧："如果复发怎么办？家庭经济能否承 受？"这份担忧，成为她抗癌路上挥之不去的阴霾。 2022年8月，在家人支持下，H女士(化名)首次投 ...

Core Viewpoint - The new "National Ten Articles" policy released by the State Council aims to enhance the development of the insurance industry over the next 5 to 10 years, focusing on improving health insurance service levels and expanding coverage, which presents new opportunities for the integration of commercial insurance and the pharmaceutical industry [1][2]. Group 1: Policy and Industry Trends - The new policy emphasizes high-quality development in the insurance sector, shifting focus from scale growth to quality, and aims to enhance risk prevention and regulatory oversight [1][4]. - The integration of commercial insurance with the pharmaceutical industry is seen as an inevitable trend, driven by the need for comprehensive health solutions and the potential for significant payment space in commercial insurance [1][4]. Group 2: Company Initiatives and Innovations - On the occasion of its 10th anniversary, Taikang Online hosted a forum to discuss the development paths for insurance products catering to individuals with pre-existing conditions, highlighting the importance of innovation in commercial insurance [1][4]. - Taikang Insurance Group is actively pursuing a comprehensive health ecosystem that addresses the needs of an aging population and the increasing demand for health services, aligning with the "Healthy China" strategy [2][4]. Group 3: Product Development and Market Needs - Taikang Online has developed a product system that covers the entire disease cycle, focusing on cancer patients with innovative insurance products like the "Good Effect Insurance" series, which has undergone multiple iterations to enhance accessibility to innovative drugs [6][7]. - The company aims to transition from being a mere financial payer to a health promoter, addressing the urgent needs of individuals in non-standard health conditions through a triad of good medicine, good drugs, and good services [6][7]. Group 4: Collaborative Ecosystem - The integration of commercial insurance with medical, health insurance, and pharmaceutical sectors is essential for creating a robust industry ecosystem, with various stakeholders emphasizing the need for collaboration to enhance service delivery and efficiency [7]. - Taikang Online is committed to exploring insurance solutions for individuals with pre-existing conditions, aiming to position commercial health insurance as a valuable payment entity within the pharmaceutical industry [7].