选择支付、金融、医疗健康作为核心支柱，意味着蚂蚁切入了具有长期社会需求与政策支持的关键领 域。尤其是通过"阿福"等产品布局医疗健康赛道，展现出其将技术能力，向民生服务领域拓展的清晰路 径。 向价值深耕转型，无疑是蚂蚁未来的战略重心。其回归之路，是一场考验长期耐心的价值远征。 当人工智能技术深入医疗、银行、工业等关键领域，其意义已超越技术概念本身，演变为一场关乎未来 的"军备竞赛"。2025年，阿里巴巴、字节跳动、腾讯等科技巨头在大模型赛道激烈角逐。其中，蚂蚁集 团旗下健康AI助手"阿福"与通用AI应用"灵光"凭借在健康与金融领域的先行布局，杀出重围，形成了差 异化优势。 这标志着蚂蚁集团正以重新聚焦的姿态，回归到互联网的竞争主场，更扎实地推动技术在实际产业中落 地。近日，蚂蚁集团CEO韩歆毅明确将支付、金融与医疗健康定义为支撑蚂蚁未来发展的"三条腿"，这 一战略既基于蚂蚁完成整改后对自身定位的深刻思考，也是下一个十年的蓝图。 "市场上确实不太能听到蚂蚁的声音"，韩歆毅坦言，"而且蚂蚁已经很多年没有大的创新了"。2024年出 任蚂蚁总裁的他一度陷入焦虑："一到周末就会想通用AI会不会干掉所有入口？焦虑蚂蚁下一个 ...

Core Viewpoint - Ant Group is re-entering the market with a focus on three key areas: payment, finance, and healthcare, as part of its strategic blueprint for the next decade [1][2]. Group 1: Strategic Focus - Ant Group's CEO, Han Xinyi, emphasizes that the company's future relies on a balanced approach with payment, finance, and healthcare as its three pillars [1]. - The company aims to leverage AI to enhance its services in these three sectors, with a specific focus on redefining healthcare services [1][3]. - The healthcare sector is viewed as a critical area for strategic breakthroughs, addressing the growing demand for accessible medical resources in China [2][3]. Group 2: Investment and Development - Ant Group plans to invest tens of billions annually in its healthcare initiatives, particularly in the AI-driven health assistant "Afu" [3][4]. - The company has upgraded its healthcare business to an independent unit, reflecting its commitment to this sector despite internal debates [3]. - Han Xinyi believes that the success of "Afu" is crucial not only for Ant Group but also for the broader healthcare AI market in China [4]. Group 3: Vision and Goals - The long-term vision includes enhancing the quality of life and increasing life expectancy through its healthcare services [4]. - The success of "Afu" will be measured by its adoption among the Chinese population and the willingness of users to recommend it to others [4]. - Ant Group's strategy aims to create a sustainable foundation for its future growth, moving beyond short-term innovations to long-term value creation [1][4].

（来源：湖州日报） 转自：湖州日报 文/记者 徐震 App上"AI问诊"，"AI陪诊员"引导入院，"AI听诊器"筛选病情，有AI功能的达芬奇手术机器人辅助医 生……眼下，不少市民发现，AI医疗越来越多出现在生活场景中。 但不少疑问也随之而来："能解决多少实际需求？""是助手还是医生？""基层医院如何能用上？"……背 后，既有对AI医疗专业与安全的担忧，也有对其满足实际和基层需求的期盼。 2025年10月，国家卫生健康委等五部门联合印发的《关于促进和规范"人工智能+医疗卫生"应用发展的 实施意见》（以下简称《实施意见》），就基于"解决真实需求""更多篇幅放在基层和预防""坚持人工 智能赋能而不替代"等考虑，这与当下大众的关切一致。 日前，记者走访了我市多家医疗机构，探访AI医疗的现状与未来。 一问 能解决多少实际需求？ 一直被失眠和焦虑困扰的市民张博，最近点开"安诊儿"App，向市第三人民医院首席精神科专家沈鑫华 的分身"AI医生"进行了咨询。"AI医生"在询问了"失眠特征""生活影响"等情况后，给出了睡前放松活 动、记录"压力日记"等建议。 "这样的'AI问诊'回复很有针对性，也让我去医院就诊做了心理准备。" ...

Core Insights - The article highlights the successful implementation of the "Hangzhou Municipal Health Promotion Regulations," which aims to enhance public health and well-being in the city, achieving a health literacy level of 46.52% and a life expectancy of 84.18 years by 2024 [1][6] Legislative Framework - The "Hangzhou Municipal Health Promotion Regulations," effective from January 1, 2026, establishes a comprehensive health security network with 54 articles, transforming the concept of "health priority" into a binding obligation [1][4] - The introduction of a dedicated chapter on "Health Impact Assessment" makes Hangzhou the first city in China to formalize this system through local legislation [1][2] Public Health Initiatives - The regulations emphasize inclusivity, ensuring that migrant workers are included in medical insurance, which has been positively received by non-local workers in the city [4] - The establishment of smart health stations in rural areas allows for online access to health records, ensuring that even remote communities benefit from precise medical services [4] Community Health Services - The "Health Village Chief" initiative in rural areas provides free medical consultations and health education, demonstrating the practical application of the health regulations [7] - The development of 20 health "premium routes" integrates health education into recreational activities, promoting a healthier lifestyle among citizens [9] Technological Integration - The use of AI in health services enhances efficiency, with all grassroots medical institutions connected to diagnostic support systems, conducting over 2.22 billion quality control checks on medical records [13][16] - Digital platforms like "Family Doctor Appointment" have engaged over 1.17 million residents, facilitating communication and health reminders, showcasing the integration of technology in health management [16] Overall Impact - The comprehensive health governance model in Hangzhou illustrates the importance of integrating health into all policies, leading to improved public health outcomes and community well-being [11][17]

一条条真实的反馈，编织成了这一年来杭州卫生健康领域各项服务日益便捷、贴心的温暖图景。 2025年接近尾声，有奖征集活动还在继续，我们诚邀市民分享这一年来让大家心头一暖、眼前一亮 的"杭州健康瞬间"：可以点赞身边的好医护，分享就医、配药、育儿、养老过程中的惊喜变化，也欢迎 提出宝贵的意见或建议。 线索一经采用，将通过《杭州日报》及新媒体平台呈现，同时线索提供者将获得精美礼物一份。 "支付宝上的'安诊儿'很方便，能查就诊记录和检查报告""以前常忘记预约挂号时间，现在有小程 序、短信提醒，不会错过了"……由市卫生健康委、杭州日报联合举办的"2025杭州健康瞬间"线索征集 活动近日开启，短短几天，后台已涌入不少读者留言，分享就医过程中的温暖体验与惊喜变化。 家住城西的鲍先生说，一个月前，他因皮肤问题需要就诊，便提前通过支付宝App"安诊儿"智能体 预约了皮肤科号源。"就诊前一天，'安诊儿'准时发来提醒；就医当天，从诊室位置、排队进度到取药 流程，每一步都有提示，流程相当顺畅。" 家住城西银泰城附近的徐女士也想给杭州的就医便利点赞。今年10月，她带着头痛的孩子前往市妇 儿医疗集团朝晖院区（市儿童医院）就诊，医生建议先做 ...

Summary of the Conference Call Company and Industry Overview - The conference call discusses **Ant Group's** health app, **Afu APP**, which aims to become a national health entry point in China, targeting **500 million registered users** and **100 million monthly active users** by **2026** [2][3]. Core Points and Arguments - **User Engagement and Trust**: Afu APP focuses on enhancing user engagement and trust in both consumer and serious medical fields by providing comprehensive health solutions [2][3]. - **Data Utilization**: Ant Group has accumulated **10 years of data**, including **700 million** health insurance code users and **60 million** health insurance members, to train vertical models for precise health services [2][5]. - **Collaboration with Health Insurance**: The company collaborates directly with health insurance to establish data centers, planning to launch **10 local data centers** by **2025** [2][8]. - **Monetization Strategies**: Afu APP's revenue model includes consultation services (approximately **100,000 paid consultations daily**) and drug sales (around **3 million yuan daily**), with future plans to diversify income sources [2][12][15]. - **Product Features**: The app includes features like medical guidance, health goal tracking, and AI consultation, with plans for further upgrades to enhance user experience [3][12]. Additional Important Content - **Data Acquisition Costs**: The cost of acquiring data varies, with initial investments in promoting health insurance codes and purchasing medical data costing around **200 million yuan** annually [10]. - **Technical Challenges**: Current AI models achieve only **60%-70%** accuracy compared to top experts, and regulations prevent AI from independently diagnosing or prescribing [11]. - **Market Positioning**: Ant Group aims to position Afu APP as a leading health service platform, with a revenue target of **100 billion yuan** and a profit goal of **50 billion yuan** by **2026** [3][21]. - **Competitive Landscape**: Compared to competitors like Tencent and JD Health, Afu APP focuses on comprehensive service coverage and high-frequency user engagement, ensuring long-term app retention [19][20]. Conclusion - Ant Group's strategic focus on the Afu APP aims to leverage extensive data and partnerships to create a robust health service platform, addressing both user needs and market demands while navigating regulatory challenges and competition.

Core Insights - The article discusses the introduction of a digital health assistant named "Yu Xiaokang" integrated into the "An Zhen Er" health service platform, aimed at providing chronic disease patients with personalized health advice and support [1][2] Group 1: Digital Health Innovations - "Yu Xiaokang" serves as a digital health tool for chronic disease management, offering health consultations, report interpretations, and medical accompaniment services [1] - The "An Zhen Er" platform is recognized as the first provincial shared health model in China, combining digital and physical healthcare services [1] Group 2: Community Health Initiatives - The health bureau of Yuhang District has developed a knowledge framework for chronic disease management, making it easier for patients to understand their health conditions through "Yu Xiaokang" [2] - The integration of chronic disease management with elderly care services is being explored, with training provided to community health workers on using "Yu Xiaokang" [2] Group 3: Future Developments - Yuhang District plans to further enhance the "An Zhen Er" platform by exploring additional service scenarios to provide more precise and diverse health services [2]

Group 1 - The core focus of the news is the development and implementation of AI in healthcare in Hangzhou, aiming to enhance the quality of medical services and patient experience [1][3] - The "Anzhener" digital health platform has been integrated into all secondary and above public hospitals and grassroots medical institutions in Hangzhou, providing comprehensive medical services including appointment scheduling, online check-in, and payment [1] - Since the beginning of the year, the "Anzhener" AI system has served 37.272 million patients in Hangzhou, demonstrating its widespread adoption and utility in the healthcare system [1] Group 2 - The Hangzhou Health Commission is exploring the creation of an AI-powered family doctor system to improve communication, health management, and service delivery between family doctors and patients [2] - The "Hang Xiaoyu" AI system, focused on infant care, allows parents to conduct developmental self-assessments at home and provides tailored guidance and intervention based on identified risks [2] - "Hang Xiaoyu" has been recognized as a national innovative application in medical AI, with over 4.6 million visits and services provided to 880,000 parents since its launch [3] Group 3 - The Hangzhou Health Commission is committed to integrating AI into healthcare to enhance patient experience, improve healthcare worker efficiency, and support precise management and decision-making [3] - Future plans include deepening the integration of AI with health services to strengthen the "Healthy Hangzhou" initiative [3]

Core Insights - The article discusses how artificial intelligence (AI) is transforming healthcare services in Hangzhou, making medical consultations more accessible and efficient through digital platforms and intelligent systems [1][2]. Group 1: AI in Healthcare Services - Hangzhou is leveraging AI technology to reshape healthcare services, aiming to create a more convenient and precise medical experience for patients [1]. - The "Anzhener" digital health companion has become a familiar tool for patients, facilitating appointment scheduling, payment, and consultations through a mobile app [2]. - Over 37 million patients have utilized the "Anzhener" service across public hospitals and community health centers in Hangzhou [2]. Group 2: Development of Intelligent Medical Systems - The "Anzhener" platform is evolving to include specialized AI medical experts, such as a sleep specialist AI modeled after a real doctor, providing 24/7 online assessments and personalized treatment plans [2][4]. - Hangzhou has launched 28 AI medical experts covering various specialties, making expert health guidance readily available to the public [4]. Group 3: Integration of Traditional Chinese Medicine (TCM) with AI - Hangzhou is integrating AI into traditional Chinese medicine by developing a clinical decision support system that enhances diagnostic efficiency and accuracy for TCM practitioners [5]. - The city is also working on a "bodily intelligent" robot that assists in traditional diagnostic methods, such as pulse and tongue diagnosis, streamlining the patient assessment process [5]. Group 4: Childcare and Development Support - By 2025, Hangzhou plans to introduce "Hang Xiaoyu," an AI companion for infant and toddler care, providing over 20 services related to childcare and health assessments [6][8]. - The "Hang Xiaoyu" system includes a vast knowledge base and can analyze children's developmental behaviors through uploaded videos, identifying potential developmental risks early [8].

Core Insights - Ant Group has launched an abstract advertising campaign on Alipay, which has generated significant public interest and discussion [1] - The campaign is part of Ant Group's strategy to promote its health assistant app and signifies its recent acquisition of Hubei Whale Pharmacy, enhancing its healthcare service offerings [4][5] Group 1: Acquisition and Strategy - Ant Group completed the acquisition of Hubei Whale Pharmacy in August 2024, marking a significant step in its healthcare sector strategy [5] - This acquisition allows Ant Group to fill a gap in its "consultation + medication" service model, positioning it to compete directly with major players like JD, Meituan, and Alibaba in the online pharmaceutical retail market [4][6] - The acquisition is seen as a strategic move to quickly gain regulatory compliance and access to existing supply chains, which is crucial in the highly regulated pharmaceutical retail industry in China [6] Group 2: Integration and Service Development - Ant Group has been developing its healthcare services for over a decade, initially focusing on payment and insurance solutions, and is now expanding into the pharmaceutical sector [8][9] - The integration of Hubei Whale Pharmacy into Ant Group's ecosystem is expected to enhance its service offerings, creating a seamless online process from health education to medication purchase [14] - The company has previously acquired Good Doctor Online, which has strengthened its medical service capabilities and laid the groundwork for AI applications in healthcare [10] Group 3: Market Position and Challenges - Despite establishing a comprehensive online healthcare service, Ant Group faces significant competition, particularly in logistics and delivery speed, which are critical for customer satisfaction in urgent medication scenarios [15] - Competitors like Meituan and JD Health have advanced delivery networks that allow for same-day or even hourly deliveries, posing a challenge for Ant Group's current reliance on traditional delivery methods [15]