不断深耕健康保障，持续优化保险保障服务，用心回报每位客户的信赖与托付。中国人寿表示，将全力 服务"健康中国"建设，打理整合健康管理、养老、医疗和护理等多方面的资源，提高产业链整合能力和 影响力，统筹推进医疗保险、重大疾病保险、长期护理保险等产品研发，优化保险责任与保障功能，深 耕健康细分市场，推动健康保障与服务融合，更好地满足人民群众病有所医、老有所养的迫切需求。 近年来，随着社会、环境、生活条件及方式的改变，我国慢性病、重大疾病出险率呈高发且年轻化态 势，人民群众对自身健康的重视程度和对健康保障的需求逐年升高。 臻享医疗保障，暖心呵护健康。该保险的保险金年限额为400万元：一般医疗费用保险金年限额为200万 元，重大疾病医疗费用保险金年限额为200万元。院外特定重大疾病急需药品费用保险金年限额为2万 元。重大疾病住院每日给付保险金额为100元（九十日为限）。符合合同约定的情况下，保障覆盖住 院、特殊门诊、住院前后门（急）诊、门诊手术等多项费用。在保证续保期间内，保险金给付之和总限 额为800万元，为被保险人提供暖心呵护。 中国人寿（601628）保险股份有限公司（以下简称"中国人寿"，股票代码：601628 ...

Core Viewpoint - Shandong Guoshou demonstrates a commitment to innovation and consumer protection in the insurance industry, showcasing its efforts to enhance service quality and accessibility through technology and community engagement [1][2][3][9] Group 1: Consumer Protection and Service Innovation - In 2024, Shandong Guoshou achieved a level A in consumer protection regulatory evaluation, with complaint volumes significantly lower than industry averages [2] - The company has established a comprehensive consumer protection framework, integrating core service concepts into its high-quality development process [3] - Shandong Guoshou employs a multi-channel approach for consumer education and risk prevention, enhancing service quality and capability [3] Group 2: Technological Integration in Services - The company has developed 73 "Smart Experience Stores," offering various service areas to meet diverse customer needs, enhancing both technology and human touch in service delivery [4] - Shandong Guoshou's digital initiatives have served over 357,000 customers through online customer service, achieving a connection rate of 94.06% [4] - The introduction of self-service kiosks and a focus on elderly-friendly services reflect the company's commitment to accessibility and convenience [4][5] Group 3: Claims and Financial Support - In 2024, Shandong Guoshou processed claims for 234.8 million customers, with total payouts reaching 5.06 billion yuan [7] - The company has implemented a "one-day critical illness claim" service, providing timely financial support to 15,000 clients, totaling 560 million yuan in payouts [7] - Shandong Guoshou has actively engaged in reviving lapsed policies, benefiting 26,000 clients with interest-free reinstatement services, amounting to 783 million yuan [6][8] Group 4: Commitment to Social Responsibility - The company emphasizes its mission to serve national development and protect the well-being of the people, as illustrated by its outreach efforts in remote areas [1][9] - Shandong Guoshou's initiatives reflect a deep-rooted commitment to social responsibility, aiming to bridge service gaps and enhance community welfare [1][9]

"随着社会老龄化的发展，慢病逐渐成为大众疾病谱的主要风险因素，也成为疾病经济负担的重要影响 因素。"谈及保险业参与慢病管理的价值和角色定位，中国人寿再保险有限责任公司总监董向兵表示， 保险业从业务端与投资端参与慢病管理，主要承担支付方和引流方两种角色，但目前仍面临产品吸引力 不足、客户触达效率低、产业融合不足以及政策支持不足等问题。建议完善产品设计、放宽承保端限 制，促进医疗数据与保险数据的有序互联与共享，推动商保与医保、医院、药械企业、药店以及慢病管 理运营商等多方深度融合。同时，加大政策支持的力度与针对性，进一步提升健康管理服务在产品费率 中的比重，扩大税优健康险的产品涵盖范围。 原银保监会副主席黄洪认为，商业健康保险在发展过程中，存在产品同质化严重、保障能力不足与医疗 体系协同不足、控费机制有待健全，以及风险定价能力欠缺、数据基础薄弱、科技应用水平滞后、服务 体验有待优化等短板。他建议，为推动商业健康保险高质量发展，一是要优化产品供给结构，满足多样 化需求；二是要深化医疗协同机制，构建利益共享生态；三是要强化科技赋能，提升风险管控能力；四 是要完善政策支持体系，激发市场活力。 （文章来源：经济日报） 4 ...