本报（chinatimes.net.cn）记者吴敏 北京报道 12月12日，由华夏时报社主办的第十九届华夏机构投资者年会暨华夏金融（保险）科技论坛在北京成功 举办。 本届论坛以"活力与韧性 拓新与赋能"为核心主题，由中央财经大学数字经济融合创新发展中心、华夏 时报金融思想荟、华夏时报金融研究院联合提供智力支持，意在回应时代之问，凝聚发展共识，探寻未 来路径。 在"金融科技跃升"圆桌对话环节，众惠相互保险副总经理（主持工作）梁欣鑫从相互保险的实践出发， 分享了金融科技推动保险业高质量发展的独特视角。 他指出，科技正为相互保险注入新动能。通过"全周期健康管理+实时风控"模式，公司已构建覆盖带病 体、新市民、职工等多群体的普惠保障网络，旗下"惠肝保"等创新产品实现从"事后赔付"向"事前干 预"转型，充分发挥相互保险机制优势，推动形成"共建、共治、共享"的保障生态。 从互助基因到社群化运营 以创新产品为例，梁欣鑫指出，"惠肝保"突破传统"事后赔付"模式，构建"少发生、早发现、规范治 疗"的全周期健康管理与保障闭环，该模式已纳入国家级研究项目并开展试点。在广西，众惠相互联合 当地总工会推出的"职工医疗互助保障计划"，不 ...

Core Viewpoint - The company, Zhonghui Mutual Insurance, has demonstrated significant growth and profitability through its unique mutual insurance model, aligning with national health strategies and promoting inclusive finance [1][2]. Business Performance - As of the third quarter of 2025, Zhonghui Mutual Insurance achieved a premium income of 358,169.89 million yuan, reflecting steady growth and a strong alignment with market demands [2]. - The company exhibits a three-dimensional positive trend characterized by stable premiums, robust profitability, and quality optimization [2]. Growth Drivers - The growth is driven by a dual strategy of underwriting and investment, focusing on the health insurance segment and developing specialized products for patients with pre-existing conditions [3]. - The company has launched over 100 exclusive products targeting specific health issues, filling significant market gaps [3]. Digital Transformation - Zhonghui Mutual has advanced its digital operations by implementing various projects such as data warehouses and AI-driven platforms, enhancing service efficiency and customer experience [4]. - The company has achieved a nearly 95% online reporting rate and a 99% case closure rate within one day, significantly improving claims processing [4]. Policy Response - The company is actively responding to regulatory initiatives aimed at enhancing health insurance services, particularly for patients with chronic conditions [4][5]. - As of September 30, 2025, health insurance accounted for over 96.3% of the company's premium income, demonstrating its commitment to being a true health insurance provider [5]. Product Development - Zhonghui Mutual has developed a comprehensive range of insurance products for chronic kidney disease patients, addressing significant coverage gaps in the market [5][6]. - The company has also introduced innovative health management services that improve patient outcomes and reduce healthcare costs [6][7]. Ecosystem Approach - The company has created a holistic ecosystem for chronic disease management, integrating insurance coverage with healthcare services to enhance patient care [7]. - Zhonghui Mutual's initiatives in liver disease insurance further exemplify its commitment to comprehensive health management and patient support [7]. Mechanism Advantages - The mutual insurance model provides a sustainable framework for inclusive finance, focusing on the needs of specific groups such as the elderly and chronic disease patients [8][9]. - The company has established a governance structure that allows member participation in decision-making, enhancing service quality and member satisfaction [9]. Future Outlook - With the ongoing implementation of inclusive insurance policies and the "Healthy China" strategy, Zhonghui Mutual aims to continue its path of inclusive development and create more value for its members [9].

Core Viewpoint - The report highlights the steady growth and high-quality development of Zhonghui Mutual Insurance, showcasing its strong performance in the health insurance sector and its commitment to serving the public through mutual insurance mechanisms [1][7]. Group 1: Financial Performance - In 2024, Zhonghui Mutual Insurance achieved a total premium income of 308.481 million yuan, with health insurance premiums accounting for 296.601 million yuan, representing over 96% of total premiums [1][7]. - The comprehensive solvency adequacy ratio stood at 226.81%, indicating a strong financial position and ability to meet obligations [1][8]. - The company has reported three consecutive years of profitability, demonstrating a sustainable growth trajectory [7]. Group 2: Business Strategy and Market Position - Zhonghui Mutual focuses on short-term health insurance, particularly in areas such as major medical insurance and critical illness insurance, establishing a competitive edge in the market [2][3]. - The company has launched over 30 products targeting specific health conditions, such as chronic diseases, which have received positive market feedback [2][3]. - The member base exceeded 3.62 million by the end of 2024, with over 10 mutual assistance projects in operation, covering more than one million individuals [1][3]. Group 3: Technological Innovation and Service Enhancement - The company has significantly increased its technology investment by 210% year-on-year, with nearly 50% of its workforce in technical roles, enhancing service efficiency and quality [5][7]. - Zhonghui Mutual has developed an integrated risk control platform, "Zhihui Claims," which utilizes machine learning and big data algorithms to improve claims processing efficiency, achieving a 92.3% online claim rate [5][8]. - The company has implemented user-friendly features for elderly clients, including large print interfaces and voice navigation, to enhance accessibility [6]. Group 4: Social Impact and Community Engagement - Zhonghui Mutual has actively engaged in providing insurance solutions for vulnerable groups, including new citizens and workers in flexible employment, with over 200,000 participants in the "Shenzhen Zhonghui Bao" project [5]. - The company has tailored its products to meet the needs of specific demographics, such as the elderly and those with chronic illnesses, thereby addressing gaps in the insurance market [4][5]. - The mutual insurance model has been positioned as a means to enhance social welfare and contribute to national strategies like rural revitalization and common prosperity [3][7].