11月25日，港、A股保险板块整体表现活跃，A股保险板块指数涨幅超2%。平安A股当日收涨1.83%，H 股收涨1.77%，显示出市场资金对保险板块的持续关注。 消息面上，保险板块近期迎来多重利好。资金层面，根据此前Wind数据统计，证券保险ETF（512070） 11月以来已获超20亿元资金净流入，反映机构配置意愿增强。基本面方面，近期开源证券最新研报观点 指，险企积极备战2026年开门红，负债端新单和价值率展望良好，长端利率底部企稳支撑资产端逻辑， 看好低估值保险标的，其同时认为H股配置价值相对较高，推荐中国平安等标的。 政策驱动成为行情另一大关键推力。近期养老金融领域政策密集落地，为银发经济赛道注入强劲动力。 其中，广东养老金融"15条"与中国平安"综合金融+医疗养老"生态战略的深度融合成为市场关注的焦 点，不妨就此来看看这一政策背后的机遇所在。 01 广东养老金融15条出台，平安卡位精准凸显先发优势 11月17日，广东省地方金融管理局联合多部门印发《广东省推动养老金融高质量发展的实施方案》，文 件围绕强化制度供给、优化产品体系、拓展金融服务、激活产业资本、织密风险防线五大方面出台15条 举措。 首先，在 ...

Core Viewpoint - Ping An Health Insurance and U-Health have launched the first one-stop cross-border medical service product in the Greater Bay Area, integrating quality medical resources from mainland China and Hong Kong to provide comprehensive medical assistance services [1][9]. Group 1: Product Launch and Features - The new product "Health Medical +1, Bay Area Home to Home" offers services such as outpatient assistance, expert consultations, rapid accompaniment, transportation assistance to hospitals, and inpatient support [1][10]. - The service aims to provide a seamless experience for clients traveling from home to hospitals and back, addressing the growing demand for cross-border medical services in the Greater Bay Area [9][10]. Group 2: Strategic Collaboration - Ping An Health Insurance's Assistant General Manager Lin Sheng emphasized the company's commitment to the "Healthy Bay Area" initiative, aiming to enhance the connectivity of quality medical resources [3][4]. - U-Health's CEO Zheng Ming'en expressed confidence that the collaboration would create a benchmark for cross-border medical services in the Greater Bay Area, leveraging both companies' strengths [6][9]. Group 3: Market Demand and Service Network - The demand for cross-border medical services has been increasing due to more frequent exchanges in the Greater Bay Area, with challenges such as limited access to quality medical resources and poor patient experience [9]. - Ping An Health Insurance has established a medical network covering 337 cities and 3,045 public tertiary hospitals in China, while U-Health integrates quality private hospital resources in Hong Kong to support efficient medical services [9][10]. Group 4: Customer Engagement and Anniversary Initiatives - In 2025, Ping An Health Insurance will celebrate its 20th anniversary, launching a customer engagement initiative that includes a commitment to immediate claims processing for hospitalized clients and a range of health gifts for customers [11][14]. - The cross-border medical service is part of the company's broader strategy to enhance customer experience and expand its overseas medical health service system [11][14].