近日，央视财经频道关注"AI健康管理"领域，专业机构预计，中国AI健康管理市场规模将超万亿元， 2027年预计增至2.59万亿元，年复合增长率超20%。随着人工智能技术正逐渐渗透到健康管理的各个环 节。国内AI健康管理市场也处于快速发展阶段，并展现出巨大的潜力。基于个人的健康管理数据和人 工智能技术的应用，国内的商业保险机构也开始改变原有的保费模式。 水滴公司创始人兼CEO沈鹏作为互联网保险科技企业代表接受采访，沈鹏表示，在亚健康与慢病管理需 求激增的当下，水滴在用"AI+保险+健康管理"的模式，打造一个覆盖用户健康全周期的智能服务生 态。将用户健康数据与保费责任及费用挂钩，随着用户健康状态的改善，保险责任及保费可以动态调 整。 我国有4亿多带病人群，过去由于受限用户数据缺失、核保复杂等因素，市面上带病体保险产品供给存 在缺口，他们很难为自己买到一份保险保障。近年，随着AI大模型快速发展，水滴也积极投入研发， 打造覆盖保险保障、大病救助、医药服务的全链路数字化解决方案。 图：水滴公司创始人兼CEO沈鹏接受央视采访 在AI赋能下，水滴保基于多年行业实践，依托长期积累的保险预核保、疾病协赔、健康增值服务等丰 富的 ...

Core Viewpoint - The 2024 ESG White Paper for the Internet Insurance Industry emphasizes the integration of ESG (Environmental, Social, Governance) principles into the insurance sector, highlighting its role in promoting sustainable development and addressing long-term societal goals such as low-carbon transition and inclusive finance [1][2]. Group 1: ESG Integration in the Insurance Industry - ESG has become a mainstream trend in global capital markets, with the insurance industry positioned to drive green economy and social equity due to its unique role in risk management and resource allocation [1]. - Policies like the "Green Finance Guidelines for Banking and Insurance" mandate insurance institutions to incorporate ESG into risk management and investment decisions [1][2]. Group 2: Key Drivers of ESG Development in Internet Insurance - Regulatory frameworks are accelerating ESG information disclosure requirements, such as the EU's Corporate Sustainability Reporting Directive (CSRD) and China's guidelines for listed companies [2]. - Technological advancements, including big data and AI, enhance the efficiency of ESG information integration, although data security and privacy remain critical governance issues [2]. - Stakeholder demands for transparency and ESG performance are pushing the industry towards a user-demand-oriented transformation [2]. - The rising demand for ESG insurance products, such as green insurance and cybersecurity insurance, presents market opportunities for tailored solutions [2]. Group 3: Current ESG Practices and Challenges - A significant portion of A-share insurance companies are rated A for ESG, but scores in social and governance dimensions are notably low, particularly in community responsibility and data governance [3]. - Challenges include the absence of a dedicated ESG evaluation system for internet insurance, increased technical risks from online operations, and a shortage of talent with expertise in both ESG principles and insurance technology [3]. Group 4: Future Development Pathways and Recommendations - At the macro level, there is a need to establish a comprehensive policy framework for internet insurance ESG investment guidelines and incentivize funding towards green projects [4]. - Industry associations should lead the creation of a unified ESG evaluation system that distinguishes between traditional and internet insurance issues [4]. - Companies should enhance technical risk prevention measures and integrate ESG into product innovation and governance structures [4]. Group 5: Summary - The ESG practices in the internet insurance industry are driven by technological innovation and social responsibility, despite facing challenges such as standardization and technical risks [5]. - The industry must align with policy directives and leverage technology to achieve a balance between commercial and social value, thereby contributing to low-carbon transition and social inclusivity [5].

Core Insights - The article highlights the launch of a new medical insurance product, "All Insurance," which does not require health declarations and guarantees renewal for five years, addressing the insurance needs of individuals with chronic diseases [1][3][4]. Group 1: Product Features - "All Insurance" allows coverage for general pre-existing conditions, excluding five severe categories, thus enabling individuals with chronic diseases like hypertension and diabetes to obtain insurance [3][4]. - The product offers a coverage limit of 2 million yuan for general medical insurance and 200 million yuan for critical illness medical insurance, with additional benefits for specific treatments [3][4]. - The insurance guarantees renewal for five years, with the maximum renewal age set at 105 years, catering to the needs of the elderly population [4]. Group 2: Market Context - The current market for medical insurance often employs a "yearly throwaway" strategy for individuals with pre-existing conditions, leading to potential coverage gaps [4]. - Approximately 75% of individuals aged 60 and above in China suffer from at least one chronic disease, indicating a significant market for tailored insurance products [4]. Group 3: Service Enhancements - The product includes value-added services such as "one-code payment," "check-up green channel," and "hospitalization green channel," enhancing the overall user experience [6]. - The insurance expands its hospital network to include ten private hospitals, providing users with more healthcare options beyond public hospitals [5]. Group 4: Industry Impact - Waterdrop Insurance aims to redefine the risk boundaries for insurable individuals with chronic conditions, leveraging extensive data to improve underwriting processes [7]. - The collaboration with Deutsche Assistance Life Insurance reflects a commitment to innovation in health insurance, focusing on customer-centric solutions [8].