Core Insights - AIA Life Insurance has chosen to focus on "protection" as its core insurance principle, maintaining a commitment to traditional protection products like critical illness insurance despite the low interest rate environment and competition in the life insurance industry [1][5] - The company's new product launches, including the "Ying Ruyi" critical illness plan and "Zhi Xuan Yi Sheng" medical insurance, reflect a dual strategy of upgrading protection functions and deepening health services [1][6] - AIA's health management services are positioned as a strategic advantage in a market where health awareness is rising and aging populations are increasing, making comprehensive health management services essential for differentiation [5][6] Health Management Strategy - AIA's vision is to become the most trusted health management partner in China, integrating health services as a core component of its customer-driven business innovation [5][6] - The company has developed a comprehensive health service system that spans the entire health journey, addressing customer needs from prevention to rehabilitation [6][7] - AIA's health service ecosystem includes a network of over 1,400 medical resources, ensuring access to high-quality healthcare for its clients [7][8] Service Innovation and Integration - AIA's health service model emphasizes the importance of a professional service team that enhances the customer experience through personalized support [8][9] - The integration of health services with insurance products creates a comprehensive offering that combines financial protection with medical resources and rehabilitation support [10][11] - The collaboration between health management and insurance product teams ensures that customer needs are met effectively, enhancing the overall value proposition [11][12] Customer-Centric Approach - AIA's health management services have achieved high customer satisfaction, with a 95% satisfaction rate reported [12] - The company's "Ying Ruyi" service has successfully assisted nearly 130,000 clients since its launch, demonstrating the effectiveness of its integrated approach [12][13] - AIA aims to leverage technology and global medical resources to continuously improve its health management services, striving to meet the evolving needs of its customers [13]

Core Viewpoint - AIA Life Insurance has chosen to focus on "protection" as its core insurance principle, maintaining a commitment to traditional protection products like critical illness insurance, even amidst a low-interest rate environment and intense competition in the life insurance industry [1][5] Group 1: Health Service Strategy - AIA Life Insurance's health service system aims to provide comprehensive health protection, evolving from traditional claims payment to a full-spectrum health guardian role, covering prevention to rehabilitation [1][6] - The launch of new products like the "Ying Ruyi" critical illness plan and "Zhi Xuan Yi Sheng" medical insurance reflects a dual strategy of upgrading protection functions and deepening health services [1][6] - The company recognizes that health management services are becoming a strategic high ground for differentiation in the insurance industry, driven by increasing health awareness and an aging population [1][5] Group 2: Comprehensive Health Management System - AIA Life Insurance has developed a comprehensive health management system that addresses various customer needs across different life stages, focusing on prevention, diagnosis, treatment, and rehabilitation [6][7] - The health service system is designed to transition the role of insurance from merely a "payer" to a "guardian" of customer health, thereby reducing the likelihood of illness and claims while alleviating pressure on social medical resources [6][7] Group 3: Key Support Pillars - The health service strategy is supported by four key pillars: a quality resource network, a self-built professional team, continuous service innovation, and a rigorous quality management system [7][8] - AIA Life Insurance has established a medical network of over 1,400 institutions, including partnerships with top hospitals, ensuring customers have access to high-quality medical resources [7][8] Group 4: Integration of Services and Products - The integration of health services with insurance products enhances customer experience, transforming traditional critical illness insurance into a comprehensive offering that includes medical resources and rehabilitation support [11][12] - Collaboration between health management and insurance product development teams ensures that customer needs are met through tailored solutions, enhancing the overall value proposition [12][13] Group 5: Future Outlook and Challenges - AIA Life Insurance aims to deepen its resource advantages and leverage technology to provide distinctive and valuable services, while also focusing on global medical resources to enhance its health and elderly care service system [14] - The company acknowledges the challenges posed by supply-side instability and the need for differentiation in a competitive landscape, emphasizing the importance of customer-driven innovation [14]