一场在沈阳召开的肿瘤学术会议，因为保险公司的深度参与和建言，很好地成为观察行业转型、险企战 略升级的窗口。 9月20日，中国抗癌协会商保支付委员会正式成立。富德生命人寿总经理徐文渊受邀参会并出任委员会 副主任，出席了年度学术会议并做重要发言，徐文渊表示：商保支付仍有重要发展空间，要实现患者、 医院和医生、商保公司多方共赢，应从提前介入治疗、诊疗流程标准化、保险产品精准定价三方面入 手。 这一观点背后，是富德生命人寿对商业健康险发展的深度思考，通过积极的行业参与，将对保险支付的 思考带入医疗圈，推动商业保险从单纯的"支付方"向"健康伙伴"角色转型。 01： 富德生命人寿的商保支付新思考：三大关键探索从简单赔付到价值创造，实现三方共赢 据公开数据显示，中国通过商保支付的医疗支出占比仅为10%左右，与美国等发达国家至少30%的比例 相比存在明显差距。这一数据，正揭示了在"健康中国"整体发展战略下商保支付未来巨大的市场发展空 间。 在商保支付规模扩大的过程中，需在患者、医院和医生、商保公司三方实现共赢：患者能以最合理的价 格得到最合适的治疗方案，医生能将合适的治疗方案提供给患者并助其康复，商保公司能在其中实现合 理盈 ...

Group 1: Industry Trends - The aging population is undergoing unprecedented changes, with "youth-oriented nursing homes" becoming a new trend that attracts younger individuals to experience retirement life early [1] - There is a shift from dependency-based retirement to autonomy-based retirement, emphasizing personal independence and enjoyment in later life [1] - People are proactively planning their retirement through financial products and insurance, aiming to build a solid economic foundation for their later years [1] Group 2: Company Initiatives - Fude Life Insurance has launched the "Beautiful Life" health and wellness brand, focusing on high-quality development in retirement finance by integrating insurance protection with elderly care services [2] - The brand offers a one-stop, personalized home care solution that includes basic life care, cultural enrichment, health management, and home modifications [2][3] - The "Beautiful Life" program utilizes a customer experience center as a platform for clients to understand and experience elderly care services and modifications [2] Group 3: Service Offerings - The program includes "take-home facilities" for home modifications and "take-home services" through the "Fude Butler" service, which assists elderly individuals in daily tasks and health follow-ups [3] - Home modification services are tailored to meet the specific needs of elderly clients, enhancing their living environment and safety [3] Group 4: Case Study - A typical case involves a 53-year-old client who purchased a retirement annuity insurance policy to secure her children's future, demonstrating proactive planning in response to current retirement trends [4] - The client utilized the insurance to access home modification services after a family incident highlighted the importance of home safety for elderly relatives [4][5] - The modifications included safety features that significantly improved the living conditions for the elderly family member, showcasing the effectiveness of the company's services [5] Group 5: Emotional Impact - The insurance policy serves as a lasting legacy for the client, providing peace of mind for her children and enhancing the quality of life for her elderly mother [6] - The emotional connection and sense of security provided by the insurance and home modifications illustrate the deep familial bonds and care across generations [6]