最近蚂蚁保宣布，旗下百万医疗险品牌"好医保"系列的核心产品进行新版升级，2025年版首次将全国470家三甲医院的国际部、 特需部和部分私立医院纳入保障范围，癌症等特定疾病在上述先进医院住院治疗也可获得保障。此外，"好医保"此次升级不仅扩 充了院外购药的报销责任，而且新增了包括全目录进口药、近400种原研药在内的1500多种先进药械，实现了对先进药械的覆 盖。 众安保险旗下两大健康险系列尊享e生和众民保，今年也都对百万医疗险进行了升级。7月2日，"众民保百万医疗险2025版"发 布，在药品责任上，针对需要长期服药的慢病患者，通过可选加油包形式提供长期用药保障。住院医疗保障范围上，新增门诊手 术及住院前后30天的门急诊费用。尊享E生百万医疗险产品也在年初进行了升级，放开外购药械，覆盖民营医院数量增至102 家，特药清单扩展至312种。 中国人寿旗下百万医疗险国寿康悦臻享医疗保险也在近日上市，成为国寿首款10年保证续保产品，提供院外特定重大疾病急需药 品费用保险金责任。 去年底，平安健康的"E生保"与"长相安"系列、太保健康的蓝医保系列、中国人保金医保等百万医疗险产品，也都进行了升级迭 代。 百万医疗险都在卷保障水 ...

Core Insights - Huize Holdings reported a total premium of 1.44 billion yuan in Q1 2025, a 38% quarter-on-quarter increase, with first-year premiums reaching 730 million yuan, reflecting a 31% quarter-on-quarter growth, showcasing the company's operational resilience and growth potential [1] - The integration of AI technology has significantly enhanced operational efficiency, with over 200 AI agents developed by employees, leading to a 29% reduction in sales, management, and R&D expenses [2] - The company has maintained a leading position in the dividend insurance market, with dividend insurance premiums accounting for 56% of total savings insurance premiums in Q1 2025 [3] AI Application and Efficiency - Huize has implemented an AI strategy that includes a 24/7 AI app for customer service, achieving an average daily service of over 15,000 clients [2] - The "Little Horse Claims AI Agent" has automated the claims process, improving reporting efficiency by 90%, with claims amounting to 190 million yuan processed in Q1 [2] Product Innovation - The company has launched several innovative insurance products, including dividend life insurance and customized health insurance, aimed at expanding its market reach and addressing customer needs [3] - New products like "Little Naughty Global Version" critical illness insurance offer global claims and overseas medical treatment, enhancing customer experience [3] Customer Engagement and Growth - Huize has surpassed 11 million cumulative insured users, with a 58% quarter-on-quarter increase in average first-year premiums for long-term insurance, reaching 5,400 yuan [5] - The company focuses on high-quality customer service throughout the insurance lifecycle, supported by a robust risk control engine that has reduced claims amounts by over 30 billion yuan [4][5] Strategic Vision - The CEO emphasized the commitment to creating win-win value for insurance companies and end customers through product innovation, customer experience, and AI empowerment, aiming for sustainable returns for shareholders [5]