随着国人健康意识不断增强，医疗险发展机遇空前。数据显示，医疗险保费在商业健康险保费总额中的 占比有望超越长期占据主导地位的重疾险，这一转变标志着中国商业健康险市场迈入医疗险主导的专业 化时代。同时，用户对医疗险产品的期待持续升级，除基础医疗保障外，更希望获得先进的诊疗技术、 高效的就医流程以及高价值药品的报销支持，追求深层次保险保障和更优质的就医服务已然成为用户的 核心诉求。 作为泰康保险集团旗下专注互联网业务的保险子公司，泰康在线积极顺应行业变革与用户需求升级的趋 势，依托科技与保险产品创新优势，于2017年联合腾讯微保，推出微保平台首款医疗险产品——"微医 保·百万医疗险"。该产品历经9年稳健运营与16次迭代升级，已然成为互联网医疗险领域具有代表性的 产品之一。其最新责任全面覆盖包括恶性肿瘤在内的120种高发特定疾病，率先引入硼中子俘获治疗等 多项前沿医疗技术，并广泛承保国内已上市的特药，无清单限制；即使是单针费用高达120万元的CAR- T疗法，也在保障范围内。 打造多层次产品矩阵 "好药"责任不断深化：在药品保障方面，明确支持处方通用名相同的原研药纳入报销范围，提升了保障 的灵活性和用药的可及性。在住 ...

Core Viewpoint - The demand for commercial health insurance products is increasing as technology transforms the healthcare ecosystem, with users expecting comprehensive coverage that includes advanced medical resources and reimbursement for imported and specialty drugs purchased outside hospitals [1] Group 1: Product Upgrades - Tencent Weibo has partnered with Taikang Online and Samsung Insurance to upgrade the "Weibo Medical Insurance" series, adding coverage for outpatient drugs and medical devices, and expanding private hospital services [1][2] - The "Weibo Medical Insurance" series includes various products such as the Million Medical Insurance and Children's Million Medical Insurance, all of which now offer outpatient drug and device coverage, providing users with more flexible and comprehensive options [2][4] - The Million Medical Insurance covers 120 high-incidence diseases, including advanced treatment technologies and specialty drugs without a list limitation, and now includes reimbursement for outpatient purchased drugs and medical devices [4] Group 2: Targeted Offerings - The Children's Million Medical Insurance offers specific outpatient responsibilities and does not set a deductible, enhancing user experience, and includes family insurance discounts for multi-child families [4][5] - The High-End Million Medical Insurance and the Universal Million Medical Insurance have also been upgraded to meet the needs of high-net-worth individuals and provide cost-effective options for the general public [5] Group 3: Claims and User Experience - The "Weibo Medical Insurance" series has integrated the "WeChat Quick Claims" service, allowing users to initiate claims directly through the payment interface, transforming the claims process from passive to proactive [6][8] - The "Weibo Anxin Claims" service offers a range of value-added services, including video consultations and professional accompaniment during hospital visits, with a high user satisfaction rate [8] - As of April 30, 2025, the "Weibo Anxin Claims" service has assisted users in claiming over 6.8 billion, with a satisfaction rate exceeding 97% [8]