在当前医疗险新保单增长放缓的背景下，存量客户已成为部分 中高端医疗险产品重点争取的对象。尤其手握客户资源的保险 经纪人与平台机构，推广转保也更为积极。 作者：姜鑫 封图：图虫创意 在车险和长期险（人寿保险、重疾险等）销售中并不罕见的"转保"现象，逐渐出现在短期健康险领 域。 2025年9月14日，在北京工作的刘女士接到了一位保险经纪人朋友的转保建议，因为她在去年购买 的百万医疗险即将在今年10月中旬到期。这位已经合作3年的保险经纪人向她推荐了一款新产品 ——众安保险的"众民保中高端医疗险"（下称"众民保"）。 保险经纪人说，若在旧保单到期前转投该产品，刘女士可豁免30天等待期。 所谓"转保"，是指在现有保险合同到期前，将保险责任和保费转移到另一家保险公司。30天等待 期也是保险领域常见的一个概念，即保险合同生效后30天内因疾病发生保险事故，保险公司不予 赔付。 刘女士说，尽管新产品的保费由去年的几百元上涨至近2000元，但保障范围有所扩大，新增了外 购药械等责任。新产品的免赔额规则也发生了改变：2万元以下部分按50%赔付，2万元以上则可 100%赔付。 保险经纪人林先生近期也频繁推荐客户转保。今年以来，他已协 ...

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]