Core Insights - Lung cancer remains the leading cause of cancer-related deaths globally for the past decade, with a significant number of patients diagnosed at advanced stages in China [1] - The rise of low-dose chest CT screening has led to an estimated 120 to 150 million individuals in China being identified with lung nodules, surpassing the number of diabetes patients [1] Group 1: Medical and Psychological Impact - The management of lung nodules is not only a medical issue but also a psychological one, causing anxiety among patients [2] - Over 25% of lung nodule patients exhibit significant anxiety symptoms, highlighting the need for continuous management rather than one-time assessments [4] Group 2: Insurance and Healthcare Integration - The insurance market is beginning to adapt to the needs of patients with lung nodules, with a focus on risk assessment and management [2][5] - A strategic partnership between Sichuan University West China Hospital and China Pacific Insurance aims to create an innovative model that integrates quality medical resources with commercial insurance [6] Group 3: Innovative Insurance Solutions - The launch of a digital management system for lung nodule patients will provide comprehensive services from screening to follow-up, incorporating a layered insurance mechanism [6] - This system represents a significant shift in insurance design, allowing for coverage of patients with varying levels of cancer risk, which was previously not addressed by traditional health insurance [6] Group 4: Market Trends and Future Outlook - The market for insurance products catering to patients with pre-existing conditions is expanding, with projections indicating a growth to a billion-dollar market within five years [8] - The health insurance industry is shifting from a focus on scale to optimizing product structures that cater to elderly and chronic disease populations, aligning with regulatory encouragement for innovative insurance products [11]

Core Viewpoint - The health insurance industry is transitioning from a pure risk compensation model to a value service model centered on user health, driven by the "Healthy China" strategy and regulatory policies [1] Group 1: Company Initiatives - Aixin Life is actively exploring the integration of health insurance with health services, leading the industry in "preventive management healthcare" practices [1] - The company aims to provide a one-stop health solution through various "health management plans," focusing on making health management "worry-free, effortless, and cost-effective" for users [1] - Since 2024, Aixin Life has been advancing the construction of a health ecosystem, leveraging resources from hospitals, medical institutions, insurance companies, and technology platforms [1] Group 2: Product Development - Aixin Life has launched multiple products such as the "Cancer Prevention Health Management Plan," "Cardiovascular Specific Disease Medical Guarantee Plan," and "'Diabetes and Obesity' Health Management Plan" to reduce the incidence of serious diseases through preventive health management [1] - The company is expanding the coverage of health management products to cater to various demographics, including the elderly, patients with chronic conditions, and those in sub-health states [2] Group 3: Health Management Model - The exploration of preventive management healthcare by Aixin Life provides a practical model for the industry, promoting a health management approach that transitions clients from "passive healthcare" to "active health" [2] - The "Aixin 365 Health Risk Management Platform" has been introduced to offer customized health services, including lifelong health records and tailored health management advice [2] Group 4: Commitment to Customer-Centricity - Aixin Life is committed to developing diverse health management products to meet the personalized and refined health management needs of clients [3] - The company aims to contribute to the "Healthy China" initiative and address the challenges of an aging population by showcasing the responsibilities and commitments of insurance companies [3]

Core Insights - The release of the "China Life Insurance Industry Experience Life Table (2025)" is a significant step for the insurance sector, set to be implemented on January 1, 2026, and reflects the profound changes in population structure and longevity trends [1] - The new life table indicates that China is entering an era of longevity, which brings challenges such as extended retirement payment periods and increased risks of chronic diseases and disabilities, necessitating scientific risk management and planning for health and retirement [1][2] - The insurance industry must innovate product offerings to cater to high-risk groups, including the elderly and those with pre-existing conditions, integrating health management and retirement services into comprehensive solutions [1][2] Company Initiatives - Aixin Life has focused on preventive healthcare management over the past two years, launching various health management plans aimed at providing effective coverage for underrepresented groups, particularly the elderly and those with chronic illnesses [2] - The company has introduced several key health management products, such as a comprehensive cancer prevention plan and specific medical coverage plans for high-risk groups, which have lower underwriting thresholds, allowing access for individuals over 75 and those with health issues [2] - Aixin Life's health management initiatives aim to shift the focus from disease treatment to health management, creating a closed-loop service that includes screening, expert consultations, and insurance coverage, thereby reducing the likelihood of disease occurrence [2][3] Industry Perspective - The arrival of the longevity era is prompting the insurance industry to redefine its role, emphasizing that insurance is not just about post-event compensation but also about comprehensive risk management throughout the life cycle [3] - The insurance sector is seen as a crucial support for the state in addressing aging populations, and companies must develop effective strategies to manage long-term payout risks [3] - Aixin Life is committed to meeting the genuine needs of the public by launching high-quality insurance products that transform the challenges of the longevity era into tangible benefits for the community [3]