Core Insights - The report indicates a rapid growth in the chronic illness insurance market in China, with the market size surpassing 12 billion yuan in 2024, reflecting a 50% year-on-year increase [1] - Waterdrop Insurance plans to launch 214 innovative chronic illness insurance products by 2025, leveraging AI technology to promote inclusivity in insurance coverage [1] Group 1: Market Demand and Challenges - The elderly population in China has reached 310 million, accounting for 22% of the total population, with 75% suffering from at least one chronic illness [2] - The prevalence of chronic diseases among the youth is alarming, with their rates being twice that of the elderly, highlighting a significant gap in insurance coverage for this demographic [2] - The average treatment cost for chronic patients is 87,000 yuan, which is 2.1 times the national annual disposable income, indicating a substantial protection gap [2] Group 2: Insurance Accessibility Issues - Nearly 30% of chronic illness patients face rejection due to inability to pass health disclosures, with 52.4% feeling there are limited insurance options available [4] - A strong willingness to pay for coverage exists, with 75.4% of respondents willing to pay extra premiums for coverage of pre-existing conditions, averaging 4,049 yuan annually [4] Group 3: AI and Product Innovation - Waterdrop Insurance has launched 214 chronic illness insurance products, including 34 that are industry-firsts, and 37 that allow for coverage without health disclosures [6] - The use of AI and big data is emphasized as crucial for improving underwriting, pricing, and health management capabilities, making risk assessment more accurate [6][8] - The AI underwriting tool "KEYI.AI" significantly reduces the average processing time for health insurance applications by 80%, enhancing user experience [8] Group 4: Collaborative Efforts for Inclusive Insurance - Waterdrop Insurance has initiated a "Inclusive Product Alliance" with 18 insurance companies to focus on the insurance needs of chronic patients, the elderly, and maternal groups [8] - The goal is to create affordable and accessible insurance products that meet the needs of various demographics, ensuring that insurance serves its fundamental purpose of protection [8]

原中国保监会党委副书记、副主席周延礼在大会致辞中指出，发展带病体保险是保险业扩大覆盖面、服 务民生保障的关键举措。带病体保险创新发展不仅是产品供给的完善，更是行业迈向普惠化、精准化保 障体系的必然要求。行业要利用AI（人工智能）与大数据技术提升核保、定价和健康管理能力，使带 病体风险评估更精准、服务更及时。 同时，为推动普惠保险落地，水滴保联合18家保险公司共同发起"普惠产品联盟"。沈鹏介绍，2024年， 水滴保联合14家保险公司启动了"三好服务联盟"，今年，联盟的保险公司扩充到了18家。水滴保在延续 去年理念的同时，希望携手各大险企启动"普惠产品联盟"，旨在聚合行业力量，让保险回归保障本源， 合力开发出更多让老百姓"买得起、用得上"的优质保险产品。 据水滴公司创始人兼CEO沈鹏介绍，水滴公司成立九年来始终聚焦老年人群、带病人群、母婴人群等传 统保险市场中易被忽视的群体，通过AI与大模型技术推动普惠保障落地，逐步构建起覆盖亿万家庭的 健康保障生态体系。沈鹏表示，AI不仅是提效工具，更是实现"人人皆可保"的核心动力。 本报讯 （记者冷翠华）11月27日，第二届水滴保服务生态大会成功举办。大会现场，水滴公司旗下的 ...

Core Insights - The article highlights the increasing health burden among modern professionals, with a significant percentage facing difficulties in obtaining critical illness insurance due to pre-existing health conditions [1][2][3] Group 1: Health Status of Professionals - A recent report indicates that over 70% of professionals have multiple health issues, with common conditions including fatigue, poor sleep, and chronic diseases [2] - The report reveals that 37% of professionals face rejection when applying for critical illness insurance, with rejection rates exceeding 40% for those with lung nodules and thyroid diseases [1][3] Group 2: Economic and Health Anxiety - Professionals aged 31-40 are under significant financial pressure, with 83% managing multiple financial burdens, including housing and education costs [2] - Even with a monthly income of 20,000 yuan, many professionals can only sustain their living expenses for a limited time in the event of a family member's serious illness [2] Group 3: Insurance Awareness and Challenges - There is a growing recognition of the necessity for commercial health insurance, with 82.3% of professionals acknowledging its importance [3] - Despite a strong desire to purchase insurance, only 30% of professionals actually do so, primarily due to barriers such as pre-existing conditions and complex insurance terms [3][5] Group 4: Innovations in Insurance Products - Waterdrop Insurance has focused on developing insurance products tailored for individuals with pre-existing conditions, launching 214 products by 2025, including 34 that are industry firsts [4] - The company utilizes AI and big data to enhance product design and risk management, aiming to meet the needs of over 400 million individuals with health issues [4][5] Group 5: Future Directions in Insurance - The future of insurance for individuals with pre-existing conditions may involve a shift towards an "insurance + service" model, integrating health management and rehabilitation services [6]