赵永刚在致辞中表示，中国太保始终胸怀"国之大者"，积极应对中国超3亿老年人口带来的结构性挑 战，推动"大健康"向"大康养"战略升级，着力构建覆盖养老、健康、康复等多板块的立体生态，打造 了"防、诊、疗、复、养"贯通的全生命周期服务闭环，致力于将一系列康养服务，凝聚成"可触摸、可 感知、可体验"的品牌生态——让中国太保的大康养战略，不止于蓝图，更成为千家万户身边的温暖存 在。此次媒体开放日，正是中国太保集中展示"大康养"战略布局与实践，深化共识与理解、凝聚智慧与 合力、传递信心与愿景的重要行动。 媒体开放日期间，中国太保先后举行欢迎交流会、主题分享会、头脑风暴会、家园文化体验等系列丰富 多彩的活动。在"大康养战略之太保实践"主题分享会现场，来自中国太保旗下养老与健康各板块负责人 详细分享了太保家园、源申康复、百岁居、青青成长、蓝医保、太医管家等太保大康养生态的专业能力 与多元服务。马欣表示，下一步将推动各服务主体依托自身优势，由"全"至"专"，形成各有所专、各有 所长的服务特色，全力深化康养服务与保险主业的场景融合，实现价值共创。 转自：新华财经 椰风送爽，山海迎宾。日前，中国太保举办以"遇山海 见未来"为主题 ...

财经频道更多独家策划、专家专栏，免费查阅>> 责任编辑：十八 在"康养未来式"头脑风暴会环节，与会嘉宾围绕如何丰富康养生态场景、强化品牌塑造等议题碰撞智慧 火花；在家园文化体验活动中，嘉宾代表们现场沉浸式体验养生八段锦、宋代点茶、钵体疗愈、提笔 写"福"等文化项目，实地感受以太保家园为代表的康养生态场景，点赞"保险+健康+养老"模式。 "大康养"不仅是一项商业布局，更是金融向善、服务民生的必然选择。在"十五五"规划启航之际，本次 媒体开放日清晰传递了中国太保"大康养"战略的核心内容与阶段性成果，也展现出中国太保以保险力量 服务民生，助力金融强国建设的坚定决心。面向未来，中国太保将致力于建设"具有市场引领力与国际 竞争力的一流保险金融服务集团"，围绕"大康养、国际化、人工智能+"三大战略方向，系统构建融合共 生品牌生态，走好高质量发展之路。 赵永刚在致辞中表示，中国太保始终胸怀"国之大者"，积极应对中国超3亿老年人口带来的结构性挑 战，推动"大健康"向"大康养"战略升级，着力构建覆盖养老、健康、康复等多板块的立体生态，打造 了"防、诊、疗、复、养"贯通的全生命周期服务闭环，致力于将一系列康养服务，凝聚成"可触摸 ...

太保家园：作为中国太保高品质养老社区标杆品牌，太保家园已在全国13个城市落地15个项目，其中14 个社区已开业，长住人数超3,000人，全年累计接待参观超28万人次。太保家园覆盖颐养、康养、乐养 等多元业态，除日常社区服务和活动外，还为入住老人提供医疗、照护、慢病专病等医护服务。下一 步，太保将坚持"轻重结合、以轻为主"的思路，聚焦城心养老、康养刚需、专业服务，推动规模、品 质、效益与安全的均衡发展。 财经频道更多独家策划、专家专栏，免费查阅>> 源申康复：作为太保专业康复医疗服务品牌，源申康复持续完善康复医疗网络构建，目前已在厦门、济 南、广州三地落子，总规划床位约1,000张。其中厦门、济南两地源申康复医院已开业，聚焦专病专症 打造优势康复学科。与上海交通大学医学院共建康复研究院夯实科研与技术根基，联动齐鲁医院组建医 联体打通临床转诊通道，探索属地医院间的合作模式，推动"研医康"一体化发展。 作为国内领先的综合性保险集团，中国太保始终胸怀国之大者，将服务国家战略作为发展的根本遵循。 面对我国超3亿老年人口的结构性挑战，中国太保深刻认识到，"大康养"不仅是一项商业布局，更是金 融向善、服务民生的必然选择。 ...

Core Insights - The health insurance market, particularly the million medical insurance, is transitioning from rapid growth to a more competitive and saturated environment, with premium growth slowing significantly [2][4][5] - The million medical insurance, once a growth driver, is now facing challenges such as homogenization, competition from inclusive insurance products, and evolving consumer demands [1][4][5] - A new wave of product iterations is underway, focusing on differentiation and service enhancement to meet consumer needs and adapt to regulatory changes [6][7][10] Market Trends - As of November 2025, the total premium for commercial health insurance reached 943.9 billion yuan, with a year-on-year growth of only 2.39%, indicating a slowdown compared to previous years [2][4] - The commercial medical insurance sector is expected to surpass critical illness insurance for the first time in 2024, with approximately half of its market share attributed to million medical insurance [2][4] Competitive Landscape - The industry is experiencing intense competition characterized by product similarity, with many offerings featuring similar coverage limits and deductibles, leading to a cycle of price competition and service enhancement [4][5] - The mismatch between supply and demand is evident, as current offerings primarily cover standard health insurance needs, leaving gaps in high-end medical services and coverage for non-standard health individuals [4][5][9] Consumer Demand - There is a growing consumer demand for services related to post-operative recovery, chronic disease management, and overall healthcare experience, which contrasts sharply with the current supply of similar insurance products [5][6] - The need for differentiated products that address long-tail demands is becoming increasingly critical as consumers seek more comprehensive health solutions [5][12] Product Innovation - Major insurance companies are launching updated versions of their million medical insurance products, focusing on customer-centric features and expanding coverage to include outpatient medications and high-value drugs [6][7][10] - The integration of rehabilitation costs into core coverage is emerging as a significant trend, reflecting a shift towards addressing long-term healthcare needs [8][9] Future Directions - The future of million medical insurance is expected to focus on three main innovation lines: extending coverage beyond traditional medical scenarios, enhancing service models through digital health platforms, and implementing personalized insurance solutions based on individual health data [13] - The industry is encouraged to find its position within the multi-tiered healthcare system, ensuring effective integration with basic medical insurance and critical illness insurance to provide tangible value to consumers [12][13]

Core Insights - The article highlights the rapid development of a multi-tiered insurance system in China, which includes basic medical insurance, "Hui Min Bao," and commercial health insurance, aimed at meeting diverse healthcare needs of the population [1][6] Group 1: Insurance Coverage and Participation - Over 1.3 billion people are covered by basic medical insurance in China, and "Hui Min Bao" has reached approximately 30 provincial-level administrative regions [1] - By 2025, "Hui Min Bao" participation is expected to exceed 6.45 million in Shanghai, with similar growth in other cities like Shenzhen and Beijing, where participation is projected to surpass 6.15 million and 4.34 million respectively [3] - As of March 2025, "Hui Min Bao" has accumulated compensation payments exceeding 2.2 billion yuan, while "Shenzhen Hui Min Bao" has compensated nearly 230,000 individuals [3] Group 2: Growth in Commercial Health Insurance - The health insurance sector achieved approximately 97.74 billion yuan in premium income in 2024, reflecting a year-on-year growth of about 8.2% [4] - Medical insurance has overtaken critical illness insurance in market share for the first time, indicating its role in supplementing basic medical insurance and covering high-value innovative drugs [4] - Pacific Health Insurance has served over 2 million customers since launching "Blue Medical Insurance" in 2022, with compensation amounts reaching 3.77 billion yuan in the first half of 2025, a 16% increase [4] Group 3: Challenges and Recommendations - Despite the progress, challenges such as insufficient coverage, data silos, and low penetration of commercial insurance remain [6] - Experts suggest breaking down data barriers and establishing secure sharing mechanisms to enhance product pricing and reduce costs [7] - Recommendations include integrating commercial health insurance with basic medical insurance for efficient claims processing and expanding coverage to include various demographics and innovative treatments [7]

Core Insights - The million medical insurance sector has seen significant innovation and upgrades in 2023, with major players expanding coverage to include outpatient treatments and advanced medications [1][2][3] - The competition in the million medical insurance market is intensifying, with companies striving to enhance their offerings to meet evolving consumer demands [5][9] - Despite a slowdown in growth, the market for million medical insurance is expected to continue expanding, driven by increasing healthcare costs and the need for supplementary insurance [10][17] Company Developments - Ant Group's "Good Insurance" series has upgraded its core products to include coverage for specific diseases treated in advanced hospitals and expanded outpatient medication reimbursements [1] - China Life has launched its first 10-year guaranteed renewal product, "Guoshou Kangyue Zhenxiang," which covers outpatient expenses for specific major diseases [2] - ZhongAn Insurance has upgraded its health insurance series, "Zunxiang Esheng" and "Zhongminbao," to include long-term medication coverage and expanded hospitalization benefits [1][2] Market Trends - The million medical insurance market has evolved from high-end and mid-range medical insurance to more affordable options, with products like "Zunxiang Wuyou" and "Eshengbao" gaining popularity [4][9] - The market has seen a shift towards covering outpatient treatments and advanced therapies, with many products now offering zero deductible options [7][8] - The overall scale of the million medical insurance market has grown from negligible in 2016 to approximately 600 billion yuan by 2023, accounting for about 20% of the medical insurance market [9][13] Competitive Landscape - Major players like Renbao Health, ZhongAn, and Ping An Health dominate the market, with their products collectively accounting for a significant share of the total premium income [14][15] - The competitive environment has led to a focus on improving renewal conditions and expanding coverage, with many products now offering guaranteed renewal periods [5][6] - The introduction of lower-cost alternatives like "Hui Min Bao" has created additional pressure on million medical insurance products, although its impact appears to be diminishing [13][21] Future Outlook - The potential for growth in the million medical insurance sector remains strong, with expectations that it could reach a scale of 1.7 to 2.6 trillion yuan by 2029 [18] - The increasing pressure on basic medical insurance is likely to drive demand for commercial health insurance, positioning million medical insurance as a crucial supplement [17][23] - However, challenges such as low claims payout ratios and the need for better customer satisfaction must be addressed to ensure sustainable growth [22][23]

Core Insights - China Pacific Insurance (CPIC) achieved an operating revenue of 404.09 billion yuan in 2024, a year-on-year increase of 24.7%, with a net profit attributable to shareholders of 44.96 billion yuan, up 64.9% year-on-year [1] - The company's internal value grew by 6.2% compared to the end of the previous year, and its managed asset scale increased by 21.2% [1] - CPIC's strategic focus on a customer lifecycle service ecosystem and deep integration of ESG principles has led to significant economic and social value [1] Financial Performance - CPIC's operating revenue reached 404.09 billion yuan, marking a 24.7% increase year-on-year [1] - The net profit attributable to shareholders was 44.96 billion yuan, reflecting a substantial year-on-year growth of 64.9% [1] - Internal value and managed asset scale increased by 6.2% and 21.2%, respectively, compared to the previous year [1] ESG and Sustainability Initiatives - CPIC released its 2024 Sustainable Development Report, marking the fourth consecutive year of such reports, emphasizing the integration of ESG with core business [2] - The company has developed over 30 innovative green insurance products, including shipping decarbonization insurance and carbon quota pledge insurance, to support green industries [3] - CPIC's green insurance coverage exceeded 147 trillion yuan, with green investments surpassing 260 billion yuan [3] Product Innovation and Risk Management - CPIC has introduced various innovative insurance products in the carbon sink sector, including the first "zero-carbon village" insurance [4] - The company has developed a comprehensive insurance solution covering ecological rescue and carbon asset transformation [4] - CPIC's catastrophe risk coverage reached approximately 975.2 billion yuan, providing robust support against disaster risks [3] Social Responsibility and Community Support - In 2024, CPIC invested 17.57 million yuan in rural support, enhancing infrastructure and industry revitalization [5] - The company developed 1,409 agricultural insurance products, covering over 19.3 million farming households [5] - CPIC's health insurance services reached over 200 million people, with long-term care insurance serving over 90 million individuals [5] Talent Development and Customer Service - CPIC has implemented talent development programs like the "New Sharp Plan" and "Intern Director" to build a structured talent pipeline [6] - The company has launched innovative service models, including intelligent claims processing and one-stop policy services, enhancing customer experience [6] - CPIC received multiple accolades for its ESG practices, including an upgrade to AA rating by MSCI, the highest for mainland insurance companies [6]