构建"全旅程"的大健康"顶层设计" "友邦的愿景是'成为中国最受信赖的保险公司'，友邦大健康的愿景是'成为中国最受信赖的健康管理伙 伴'。"储飞晴说。 在寿险行业一度陷入低利率环境下的"理财追逐战"之时，友邦人寿却选择了一条看起来并不容易的道 路：始终锚定"保障"这一保险本源，未曾偏废重疾险等传统保障产品。半年报数据印证了这份坚持： 2025年二季度，友邦人寿的营销员渠道新业务价值中，43%来源于传统保障产品的贡献。 而支撑这份成绩的重要核心之一，正是友邦以"健康长久好生活"为目标构建的全旅程健康服务体系。这 套体系让保障类产品超越传统的"理赔支付"，实现了从预防到康复的全方位健康"守护者"角色。 友邦人寿于9月同步推出的"盈如意"系列重疾计划与"智选逸生"医疗险两大新品，就均体现了"保障功能 升级+健康服务深化"的双轮驱动策略——前者搭载了服务全面升级的"如意愈从容"重疾专案管理服务， 后者则整合了覆盖诊前、诊中、诊后的全流程健康服务。 这种"产品为基、服务为翼"的创新模式，也正契合行业转型的大方向：随着国民健康意识觉醒、老龄化 进程加速，健康管理服务已成为险企差异化竞争的"战略高地"。 "在这样的市场环境 ...

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]