泰康在线始终将女性健康保障作为企业战略布局的重要组成部分，基于在健康保险领域的专业深耕，深 刻洞察到女性群体在健康保障方面的特殊需求，提供专业产品服务。面对乳腺癌发病率逐年攀升的严峻 挑战，2022年泰康在线以"商业向善"理念为引领，推动行业从"保健康人"向"保人健康"转型，率先推 出"好效保・粉红卫士"，为乳腺癌术后患者提供防复发专项保障。截至2025年3月，该产品已完成第六 次迭代，升级为"守护计划·药无忧版"，医疗服务网络延伸至29家优质民营专科机构与全国1300+DTP药 房，同时，患者可通过健康关爱计划AI服务官"智慧小茹"，实现7x24小时专业复发管理服务,获得全天 候的个性化健康守护。此外，公司也为宫颈癌患者提供了专属保障方案"宫颈守护星·复发无忧险"，该 产品提供百万级别的复发医疗保障，覆盖特定抗癌药物费用，并提供异地转诊交通及住院津贴支持，着 力为不同健康状况的女性提供多元化的保障选择。截止目前，泰康在线已为超1.2亿位女性提供服务和 保障。 捐赠仪式上，泰康在线副总裁、泰康溢彩理事丁峻峰表示："泰康在线始终秉持'商业向善'的价值观， 积极践行泰康保险集团大健康战略，持续推动保险从'保疾病' ...

Core Viewpoint - The article highlights the recognition of Taikang Online's "Good Effect Insurance - Pink Guardian (Drug-Free Version)" as an innovative insurance product in the field of breast cancer recurrence protection, showcasing the shift in commercial health insurance from "insuring healthy people" to "insuring people's health" [1][3]. Group 1: Product Innovation and Features - Taikang Online launched the "Good Effect Insurance - Pink Guardian" in 2022, providing specialized protection for post-operative breast cancer patients, addressing a gap in the market for insurance covering pre-existing conditions [3][5]. - The upgraded "Drug-Free Version" offers dual protection through reimbursement and lump-sum payment, with a maximum reimbursement of 1 million for recurrence medical expenses and a one-time payment of 50,000 to 500,000 upon diagnosis of recurrence or metastasis [3][4]. - The product includes a dynamic special drug directory covering 58 innovative breast cancer drugs with a 100% reimbursement rate, and it extends medical service networks to 29 quality private specialty institutions and over 1300 DTP pharmacies [4][6]. Group 2: Market Demand and Strategic Positioning - The increasing incidence of breast cancer and the high medical expenses associated with recurrence highlight a significant protection gap in the market, driving demand for comprehensive health insurance solutions [5][6]. - Taikang Online's "Good Effect Insurance" series includes specialized coverage for various cancers, such as thyroid cancer, lung cancer, colorectal cancer, and lymphoma, demonstrating a commitment to addressing the needs of patients with pre-existing conditions [5][6]. - The company aims to create a full-cycle insurance system that integrates medical services, pharmaceutical resources, and financial solutions, enhancing service efficiency and patient care [6]. Group 3: Technological and Resource Integration - Taikang Online leverages its group medical and nursing system to establish a nationwide medical network, providing various medical services and home rehabilitation support [6]. - The company has developed a digital risk control system and an AI customer service platform, enhancing operational efficiency and risk management capabilities [6]. - The integration of commercial insurance with the pharmaceutical industry is seen as a key pathway to solving the protection challenges faced by patients with pre-existing conditions [6].