In the current context of rapid economic development and an increasingly prominent population aging trend, the integration of insurance, healthcare, and pension services has become an important direction for the development of the industry.

After a lapse of ten years, the insurance industry once again welcomed the “Ten National Rules.” Recently, the State Council issued “Certain Opinions on Strengthening Supervision and Risk Prevention and Promoting High-Quality Development of the Insurance Industry” (hereinafter referred to as “Opinions”), bringing new opportunities and challenges to the development of the insurance industry. Among them, favorable policies for insurance + healthcare and insurance + pension services have also injected strong impetus into the innovation and development of the industry.

The Zhitong Finance App notes that as a company under Ping An Group focusing on healthcare services, Ping An Health (01833)'s managed medical strategy is highly compatible with the policy direction, and is expected to achieve further development in the context of this policy.

The core of managed care strategy is to optimize the cost and effectiveness of medical services by integrating healthcare providers, payers, and patient resources. By building an online and offline medical service network, Ping An Health provides one-stop health management and medical services, including online consultation, drug delivery, chronic disease management, and family doctor services. This not only improves the efficiency and quality of medical services, but also helps reduce overall health care costs.

Measures such as “actively developing third-pillar pension insurance” and “expanding health insurance coverage” mentioned in the “Opinion” provide more room for safe and healthy development. Currently, Ping An Health is actively cooperating with insurance companies to launch a series of innovative insurance products, combining medical services with health management to provide users with more comprehensive protection.

For example, the “Ping An e Life Insurance” series of products launched by Ping An Health in collaboration with Ping An Insurance not only provides users with expensive medical coverage, but also provides users with convenient medical services and health management services through cooperation with Ping An Health's online medical platform.

Furthermore, the “Opinion” encourages the collaborative development of the insurance industry and the pension service industry, and Ping An Health's layout in home care services will also be strengthened. In recent years, by responding positively to national policies, Ping An Health has provided a full range of old-age services for the elderly around the two core hubs of “family doctors” and “nursing caretakers”, integrating supplier resources, and around scenarios such as “medical treatment and nursing care”.

Taking “Ping An Family Medicine” as an example, it has launched the “11312” one-stop active health management service system, as well as a “trinity” nursing care service integrating intelligent housekeepers, life managers, and doctor managers. These are all concrete steps of Ping An Good Doctor to deepen the full scenario and active service experience.

In terms of technological innovation, the “Opinion” proposes to “raise the level of digital intelligence.” The success of Ping An Health's managed medical strategy is inseparable from its strong technical strength and ability to integrate resources. The company has advanced Internet technology and big data analysis capabilities, which can provide users with accurate medical services and health management solutions. At the same time, the company is also actively cooperating with medical institutions, insurance companies, technology companies, etc. at home and abroad to integrate resources from various parties to jointly build an ecosystem integrating insurance, health care, and pension services.

On August 20, Ping An Health issued its 2024 interim financial report. Financial reports show that Ping An Health's total revenue for the first half of the year was RMB 2.09 billion. This is the first time since the company was established that it turned a loss into a profit. Net profit exceeded 60 million yuan, and adjusted net profit was close to 90 million yuan. The achievement of this achievement is due to the steady development of the company's strategic business, particularly significant growth in insurance and financial client (F side) and enterprise side (B side) service revenue.

In future development, Ping An Health will continue to deepen managed medical strategies, strengthen cooperation with insurance companies, medical institutions and other parties, continuously innovate service models and products, and provide users with better and more convenient medical care and pension services. At the same time, the company will also respond positively to national policies, increase investment in the fields of insurance + medical care and insurance + pension services, and make greater contributions to promoting the high-quality development of the insurance industry and addressing the challenges of population aging.