文/顾丛 从行业痛点看，传统健康险面临"赔付率高、用户黏性低"的挑战。由于缺乏对用户健康行为的干预，险 企难以精准控制风险，赔付压力持续加大；同时，用户仅在出险时与保险公司产生关联，对保险服务的 感知度低，行业整体存在 "重销售、轻服务" 的短板。在此背景下，探索"医险融合"新模式、挖掘健康 管理的价值，成为健康险行业突破增长瓶颈的关键。 在"健康中国"战略不断深化的今天，公众对健康的理解已不再停留于"不生病"的层面，而是逐渐转 向"主动健康、持续健康"的管理思维。在此背景下，平安健康险以全新视角提出——健康不仅是个人状 态，更是一种可积累、可运营甚至可增值的"家庭健康资产"。 平安健康险党委书记、董事长朱友刚表示，健康应被视作每个人最重要的"底层资产"。他表示，"我们 希望用户的每一次运动、每一次就医、每一次理赔，都能沉淀为可增值的健康资产。"在这一理念推动 下，本次升级的"平安乐健康"通过构建数字化平台，将健康行为转化为可量化的"健康积分"，进而形成 个人与家庭的"健康资产账户"，实现从行为到保障的有效联结。 当资产的概念从房产、股票延伸至数字资产、个人品牌资产，"健康"正被赋予全新价值定义 ——在保 险 ...

"以前买健康险，只盼着用不上；现在保单在手，日常健康有了专属管家。"这是如今不少消费者对健康险的全新认知与直观感受。 在"健康中国"战略深化与人口老龄化加速的双重机遇驱动下，我国商业健康险市场规模稳步提升，2025年前8个月保费收入达7599亿元，同比增长2.38%，万 亿规模近在咫尺。 然而，行业快速发展背后，"投保易、服务难"、数据壁垒突出等长期痛点尚未根除，单纯的经济补偿模式已难以匹配居民全生命周期健康需求，转型压力日 益凸显。 在此背景下，行业正开启从"风险补偿"向"健康管理驱动"的深度变革，政策支持与市场创新形成破解困局的合力。 政策层面，"十五五"规划明确健康保障体系建设部署，金融监管总局出台专项指导意见，推动构建"事前预防、事中管理、事后保障"的新型健康服务保障体 系，为行业转型划定方向。 市场层面，以平安健康险为代表的头部企业率先破局，通过焕新服务品牌，搭建"健康行为—积分奖励—保障升级"的良性循环机制，将健康服务深度融入产 品设计、销售、理赔全流程。 从技术赋能到生态协同，从产品创新到服务升级，商业健康险行业正逐步突破转型瓶颈，在多层次医疗保障体系中的作用愈发关键，为"健康中国"战略落地 注 ...

在"健康中国"战略深化与人口老龄化加速的双重机遇驱动下，我国商业健康险市场规模稳步提升，2025年前8个月保费收入达7599亿元，同比增长2.38%，万 亿规模近在咫尺。 然而，行业快速发展背后，"投保易、服务难"、数据壁垒突出等长期痛点尚未根除，单纯的经济补偿模式已难以匹配居民全生命周期健康需求，转型压力日 益凸显。 在此背景下，行业正开启从"风险补偿"向"健康管理驱动"的深度变革，政策支持与市场创新形成破解困局的合力。 政策层面，"十五五"规划明确健康保障体系建设部署，金融监管总局出台专项指导意见，推动构建"事前预防、事中管理、事后保障"的新型健康服务保障体 系，为行业转型划定方向。 市场层面，以平安健康险为代表的头部企业率先破局，通过焕新服务品牌，搭建"健康行为—积分奖励—保障升级"的良性循环机制，将健康服务深度融入产 品设计、销售、理赔全流程。 从技术赋能到生态协同，从产品创新到服务升级，商业健康险行业正逐步突破转型瓶颈，在多层次医疗保障体系中的作用愈发关键，为"健康中国"战略落地 注入持续且强劲的金融动能。 作为行业转型的"排头兵"，平安健康险从2023年首发"平安乐健康"服务品牌，到2025年焕新 ...

喻宁告诉本报记者，本次"平安乐健康"品牌焕新最大创新在于构建"家庭健康资产"账户体系。"家庭健 康资产"账户由健康积分、健康保障、健康权益三个组成部分。用户可以通过获得的积分，去获得更多 的健康保障。 21世纪经济报道记者 郭聪聪 喻宁表示，该模式通过数字化平台实现，将短期激励与长期健康深度融合，旨在真正改变用户生活方 式，践行企业社会责任，助力健康中国建设。 10月25日，平安健康保险在京举办"平安乐健康"品牌焕新升级发布会。在现场，21世纪经济报道记者对 话了平安健康险总经理助理喻宁，共同探寻此次品牌焕新背后的核心战略意图。 ...

喻宁告诉本报记者，本次"平安乐健康"品牌焕新最大创新在于构建"家庭健康资产"账户体系。"家庭健康资产"账户由健康积分、健康保障、健康权益三个组 成部分。用户可以通过获得的积分，去获得更多的健康保障。 喻宁表示，该模式通过数字化平台实现，将短期激励与长期健康深度融合，旨在真正改变用户生活方式，践行企业社会责任，助力健康中国建设。 10月25日，平安健康保险在京举办"平安乐健康"品牌焕新升级发布会。在现场，21世纪经济报道记者对话了平安健康险总经理助理喻宁，共同探寻此次品牌 焕新背后的核心战略意图。 21世纪经济报道记者 郭聪聪 ...

Core Insights - Insurance companies are transitioning from traditional risk compensators to active participants in customers' daily lives through health management and fitness tracking [3][4][9] - Ping An Health Insurance has upgraded its app to "Ping An Happy Health," which quantifies health behaviors into redeemable points for insurance benefits [3][4] - Other companies like China Pacific Insurance and Zhonghong Insurance have launched similar fitness apps, indicating a collective industry shift towards integrating health and insurance services [4][10] Group 1: Industry Trends - The health insurance sector is increasingly focusing on integrating health management with insurance products, driven by the growing number of fitness participants in China, which has reached 540 million, accounting for over 38.5% of the population [5][6] - The shift towards online fitness platforms allows insurance companies to collect and analyze user data, enhancing risk assessment and product pricing [4][6] - The regulatory environment is also evolving, with guidelines promoting the integration of health management into insurance services, emphasizing prevention and proactive health management [5][9] Group 2: User Engagement and Benefits - Customers can earn points through health activities, which can be redeemed for benefits like lower deductibles and premium discounts, thus incentivizing healthier lifestyles [3][9] - The integration of fitness data into insurance models allows for the development of customized insurance products, enhancing customer loyalty and retention [9][10] - The approach aims to transform low-frequency insurance interactions into high-frequency health management engagements, increasing customer stickiness [4][9] Group 3: Challenges and Considerations - Insurance companies face challenges related to data security and compliance, particularly concerning sensitive health information [7][8] - Establishing a balance between data collection and user privacy is crucial, with recommendations for tiered data access and anonymization techniques [7][8] - Despite these challenges, the potential for creating a sustainable user relationship through integrated health and insurance services is significant [6][9]

北京商报讯（记者 李秀梅）10月25日，平安健康保险股份有限公司（以下简称"平安健康险"）在北京举办平安乐健康品牌焕新升级发布会。会上，平安健 康险焕新升级发布"平安乐健康"健康保险服务新体系，重磅宣布"平安健康保险"客户端迭代升级为"平安乐健康"客户端。 平安健康险党委书记、董事长朱友刚表示，平安健康险坚定贯彻"健康中国"战略和金融监管总局政策精神，通过焕新升级"平安乐健康"这一标杆之举，旨在 让每一次运动、每一次就医、每一次理赔都能沉淀为客户可增值的健康资产。同时，此举也是平安健康险践行平安集团"三省"理念的生动实践，未来将持续 为客户创造"省心、省时、又省钱"的健康美好生活。 在发布会上，平安健康险总经理助理喻宁阐释了"平安乐健康"品牌焕新的核心内涵——即打造"平安乐健康"健康保险服务新体系，推出以"平安乐健康"客户 端为核心的健康生活方式数字化平台，为客户提供省心、省时、又省钱的服务。 此外，除了为客户提供多场景的优质服务，平安健康险洞悉客户需求，将"平安乐健康"客户端升级为一个"健康生活方式数字化平台"，通过数字化账户，串 联客户全周期健康旅程，将"健康行为"量化为可增值的"健康资产"，形成保单、服 ...

本报讯 （记者冷翠华）10月25日，平安健康保险股份有限公司（以下简称"平安健康险"）在北京发布"平安乐健康"品牌， 重磅宣布"平安健康保险"客户端迭代升级为"平安乐健康"客户端。这标志着平安健康险在"健康保险+医健服务"融合发展领域又 迈出关键一步，不仅全面创新推出健康保险服务新体系，还将打造一个专业级的"健康生活方式数字化平台"。 平安健康险党委书记、董事长朱友刚表示，平安健康险坚定贯彻"健康中国"战略和国家金融监督管理总局政策精神，升级 发布"平安乐健康"客户端，旨在让每一次运动、每一次就医、每一次理赔都能沉淀为客户可增值的健康资产。同时，此举也是 平安健康险践行平安集团"三省"理念的生动实践，未来将持续为客户创造"省心、省时、又省钱"的健康美好生活。 9月底，国家金融监督管理总局发布的《关于推动健康保险高质量发展的指导意见》明确提出，推动健康保险与健康管理 融合发展。构建"事前预防、事中管理、事后保障"相结合的新型健康服务保障体系。 平安健康险积极响应政策精神，基于"健康保险+医健服务"双轮驱动的经营战略，构建以"平安乐健康"为核心的健康保险 服务新体系，切实提升保险中的专业健康管理服务，助力保险高质 ...

Core Insights - Ping An Health Insurance has launched the upgraded "Ping An Le Health" brand, marking a significant step in the integration of health insurance and medical services [1][2] - The new system aims to create a digital platform for health management, enhancing customer experience and value [1][2] Group 1: New System Launch - The "Ping An Le Health" upgrade introduces a new health insurance service system that combines health insurance with medical services [2][3] - The upgraded client platform will serve as a digital health management tool, allowing customers to manage their health assets effectively [2][3] Group 2: Service Offerings - The new health insurance service system includes four key offerings: "Vibrant Life," "Quality Medical," "Digital Healing," and "Long-term Protection," addressing various customer health needs [3][4] - "Vibrant Life" encourages proactive health management, while "Quality Medical" provides professional medical services through a robust network [3][4] Group 3: Industry Context - The health insurance industry is experiencing favorable policy changes, with the government promoting the integration of health insurance and health management [2][5] - Ping An Health Insurance's approach aligns with national strategies, aiming to enhance public health awareness and contribute to the "Healthy China" initiative [4][5] Group 4: Future Directions - The company plans to continue its dual strategy of "health insurance + medical services," focusing on customer-centric solutions to meet personalized health management needs [5] - Ping An Health Insurance aims to create a sustainable health asset management ecosystem, integrating various services and rewards for customers [3][5]

Core Insights - Ping An Health Insurance has launched the upgraded "Ping An Le Health" brand, marking a significant step in the integration of health insurance and medical services [2][3] - The new "Ping An Le Health" client app will serve as a digital platform for health lifestyle management, aiming to create valuable health assets for customers [2][3] Group 1 - The upgrade signifies Ping An Health Insurance's commitment to the "Healthy China" strategy and aims to enhance customer experience in health management [2] - The new health insurance service system will provide a comprehensive digital platform that connects various health-related services, creating a closed-loop system of policies, services, records, rewards, and memberships [3] - The initiative is expected to promote a sustainable health asset management approach among families, encouraging collective health management [3] Group 2 - The transformation from the initial launch of the "Ping An Le Health" service brand in 2023 to its upgrade in 2025 reflects a strategic evolution in the company's core operations [3] - Industry experts view this upgrade as a practical implementation of the regulatory advocacy for "health insurance + health management," setting a benchmark for professional development in the health insurance sector [3] - The introduction of features like health points and family accounts aims to create a multi-faceted network involving users, hospitals, and insurance, potentially paving the way for a "Chinese version of HMO" [3]