Core Insights - The 2026 Molecular Insurance Technology Festival was held in Xiamen, showcasing cutting-edge insurance technology and innovations, with a focus on the future development of insurance technology and service systems [1] - The leading health service platform, Lighter Health Group, was recognized for its excellence in insurance technology, being awarded the "Top 100 Insurance Technology and Services" for six consecutive years, highlighting its dual breakthroughs in technological strength and ecological collaboration [1] Group 1 - Lighter Health Group announced a strategic partnership with the Greater Bay Area Medical Group to launch the "Bay Area Smart Health: AI Empowered Value Medical Universal Health Protection Plan," aimed at creating an AI-enabled healthcare ecosystem [3] - The collaboration will address the challenges posed by an aging population and diverse health needs by providing accessible and affordable lifetime health services [3] Group 2 - AI is transitioning from concept validation to large-scale implementation, becoming a core force in reshaping the insurance value chain, with Lighter Health Group's self-developed AIcare technology stack creating a unique "AI + Health + Insurance" empowerment loop [7] - This model enhances the precision of insurance product pricing and service efficiency while offering new solutions for insurance institutions to reduce long-term risk costs and improve user engagement [7] Group 3 - Lighter Health Group has established a collaborative path of "health scenarios + AI risk control + insurance products," enhancing user risk awareness and management through real health scenarios [9] - The use of AI for structured analysis of health data aids underwriting, claims, and service decision-making, leading to more personalized and intelligent insurance services [9] Group 4 - The strategic partnership with the Greater Bay Area Medical Group is a crucial part of Lighter Health Group's effort to build an "insurance + technology + healthcare" ecological loop, moving towards an open and collaborative health service ecosystem [9] - The ongoing development of the "Bay Area Smart Health" plan and continuous R&D in AI technology is driving a shift from passive response to proactive management in health services [10]