当中国人寿财险锁定全球顶尖医院，保险圈要发生什么？
<section style="box-sizing: border-box;font-size: 16px;"><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><br></section><section style="margin-right: 0%;margin-bottom: 10px;margin-left: 0%;transform: translate3d(10px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 94%;vertical-align: top;background-color: rgb(243, 243, 243);padding-top: 10px;padding-bottom: 10px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="color: rgb(115, 113, 113);padding-right: 25px;padding-left: 25px;font-size: 15px;line-height: 1.8;box-sizing: border-box;"><p style="white-space: normal;box-sizing: border-box;">Mayo Clinic，始建于十九世纪后半叶，乃全美规模最大、设备最先进的综合性医疗机构，连续20年名列“最佳医院”榜单前茅，蝉联全美最佳医院综合排名榜首，多个科室排名全美第一。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">中国人寿财产保险股份有限公司（以下简称中国人寿财险），中国人寿旗下核心成员，亦是中国第四大财险公司。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">一个世界顶尖医院，一家中国大型财险公司，当二者联手，会发生什么？</p></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;"><section style="text-align: center;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: right;font-size: 18px;color: rgb(62, 62, 62);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section><section style="display: inline-block;vertical-align: bottom;width: 17%;box-sizing: border-box;"><section style="font-size: 22px;margin-top: 3px;margin-bottom: 3px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(78, 145, 237);background-color: rgb(78, 145, 237);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 25px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">1</p></section></section></section><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section style="margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 14px;box-sizing: border-box;">-Insurance Today-</span><br style="box-sizing: border-box;"></strong></p></section></section></section></section><section style="text-align: center;line-height: 2;letter-spacing: 1.5px;font-size: 18px;padding-right: 12px;padding-left: 12px;color: rgb(78, 145, 237);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">一款产品的诞生：国内首款癌症精准诊断医疗险</strong></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="line-height: 2;letter-spacing: 1px;font-size: 15px;padding-right: 18px;padding-left: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;">6月27日，中国人寿财险推出一款新产品——“直通Mayo Clinic确诊保”（以下简称确诊保）海外健康险产品。</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 90%;box-sizing: border-box;"><img class="raw-image" data-ratio="0.7055556" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2F8Rc2Ken1vL2nYKb2xDnJEBWngPAh2X59ahccFHOX4MIED3iavBrfCSIkCBxNTPzN7icVp5OT8wLVFVic01u70CWGQ%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="1080" style="vertical-align: middle;width: 100%;box-sizing: border-box;"></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="line-height: 2;letter-spacing: 1px;font-size: 15px;padding-right: 18px;padding-left: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;">根据官方的介绍：</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="transform: translate3d(17px, 0px, 0px);-webkit-transform: translate3d(17px, 0px, 0px);-moz-transform: translate3d(17px, 0px, 0px);-o-transform: translate3d(17px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 92%;border-width: 0px 0px 0px 5px;border-style: solid;border-left-color: rgb(200, 200, 200);border-right-color: rgb(249, 110, 87);padding: 10px;border-bottom-left-radius: 0px;box-sizing: border-box;"><section style="font-size: 15px;color: rgb(135, 132, 132);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;">这是国内首款专注癌症精准诊断的医疗保险，全面保障癌症患者前往Mayo Clinic进行二次诊疗，帮助患者在患病初期可前往Mayo Clinic获得医学专家的确诊报告及治疗方案，抢占癌症诊疗黄金窗口期。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">期间，该产品可为患者提供包括远程问诊、Mayo Clinic就医绿色通道预约、行程安排、直付确诊费用、Mayo Clinic终身随访的全流程服务……</p></section></section></section><section style="line-height: 2;letter-spacing: 1.5px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="line-height: 2;letter-spacing: 1px;font-size: 15px;padding-right: 18px;padding-left: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;">不同于传统的健康医疗费用险、失能收入险或长期护理险般，仅是对被保险人所发生的费用进行经济保障和补偿，确诊保将病前、病中、病后的综合性健康保障管理引入到全过程服务之中，实现了保险产业链与医疗行业的深度融合。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">仔细梳理，确诊保可总结为四大亮点：</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="transform: translate3d(17px, 0px, 0px);-webkit-transform: translate3d(17px, 0px, 0px);-moz-transform: translate3d(17px, 0px, 0px);-o-transform: translate3d(17px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 92%;border-width: 0px 0px 0px 5px;border-style: solid;border-left-color: rgb(200, 200, 200);border-right-color: rgb(249, 110, 87);padding: 10px;border-bottom-left-radius: 0px;box-sizing: border-box;"><section style="font-size: 15px;color: rgb(135, 132, 132);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">其一，国内首款，专注癌症精准诊断</strong></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">此产品为国内首创，是第一款真正专注于癌症精准诊断的具有开创型的海外医疗保险。最大程度挖掘海外医疗最高性价比，从专业角度为客户提供最可靠、最必需的医疗资源，最具针对性地解决客户海外就医需求。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">其二，百元起投保，直通全球顶尖医院</strong></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">目前市场上的海外就医保险产品虽然选择范围广，可挑选医院多，但对应的是，保费定价高，赴海外就诊的门槛高，客户定位高端。确诊保产品定位是服务更多中国客户的普惠型产品，最低至99元，最大程度扩展投保人群，同时锁定全美最佳医院提供全流程配套直赔服务，无任何垫付，彻底解决海外就医的后顾之忧。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">其三，锁定世界顶级专家，免去奔波之苦</strong></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">相较于庞大的医疗需求，目前国内医学专科、专家资源十分有限，大部分患者在求医过程中，需要花费很多时间和资源打通就医通道。而确诊保产品致力于解决看病难，看大病更难的痛点，锁定Mayo Clinic世界顶级专家团队，发掘其多学科诊疗模式的优势，为中国客户提供顶级医疗服务，节约宝贵的寻医问诊时间，减少奔波。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">其四，一站全包，医疗、机票酒店、家属陪同费用全覆盖</strong></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">确诊保产品由专业第三方服务团队为客户提供全流程医疗安排及配套服务，全方位满足客户需求的同时，最大程度优化各环节，规划最合理就医安排，节约就诊时间，减少额外花费，提高赴美就医效率。同时，国内外直属团队，将无缝对接客户全流程需求，让客户集中所有精力专注就诊，无需担忧除就诊以外的其他环节。</p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;"><section style="text-align: center;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: right;font-size: 18px;color: rgb(62, 62, 62);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section><section style="display: inline-block;vertical-align: bottom;width: 17%;box-sizing: border-box;"><section style="font-size: 22px;margin-top: 3px;margin-bottom: 3px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(78, 145, 237);background-color: rgb(78, 145, 237);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 25px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">2</p></section></section></section><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section style="margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 14px;box-sizing: border-box;">-Insurance Today-</span><br style="box-sizing: border-box;"></strong></p></section></section></section></section><section style="text-align: center;line-height: 2;letter-spacing: 1.5px;font-size: 18px;padding-right: 12px;padding-left: 12px;color: rgb(78, 145, 237);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">五组数据解释确诊保的逻辑：直击精准诊疗痛点</strong></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="line-height: 2;letter-spacing: 1px;font-size: 15px;padding-right: 18px;padding-left: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">分享五组数据：</strong></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">①《2017肿瘤登记年报》显示，中国新发癌症病例占世界的1/4，中国城市居民0-85岁累计癌症发生风险为36%，癌症发病率235/10万，死亡率为144.3/10万。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">②英国著名医学杂志《柳叶刀》的数据，亚洲国家的皮肤黑色素瘤、淋巴瘤和骨髓瘤生存率普遍较低，中国分别为49.6%、38.3%和24.8%，美国分别为90.8%、68.1%和46.7%。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">③接受海外医疗服务的客户中，41%左右为重症患者，49%选择了前往美国。其中，赴美国就医的67%的中国患者的治疗方案被改变。原因之一是，美国的临床医学正在向“精准医疗”的方向发展，一个患者往往由多个学科的医生共同诊治。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">④《中国误诊大数据分析》分别对19个疾病系统中的210种疾病进行了深入剖析：误诊数量超过千例以上的疾病103个(占49.05%)，超过5000例以上的病种有32个(占15%)，超过万例以上的病种有12个(占6.7%)。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">⑤哈佛大学一项研究结果表明，通过二次诊疗，93%的患者会改变原来的诊疗方案，71%的患者愈后效果比首诊更好。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">五组数据得出一个结论：</strong>误诊不可避免，如何降低误诊发生的概率，二次诊疗即大病再诊断，是全球公认的避免误诊的有效途径。尤其是罹患可致命的癌症时，寻求独立而客观的第二医疗意见至关重要。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">联想上述国内癌症的精准诊断和个性化的治疗方案相对不足，和中国庞大的人口基数，即构成了“确诊保”的逻辑：<strong style="box-sizing: border-box;"><span style="color: rgb(78, 145, 237);box-sizing: border-box;">打造保险公司、Mayo Clinic、第三方服务三者无缝衔接的服务通道，最大程度减少不必要的周转，为患者争取最宝贵的就医时间。</span></strong></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;"><section style="text-align: center;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: right;font-size: 18px;color: rgb(62, 62, 62);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section><section style="display: inline-block;vertical-align: bottom;width: 17%;box-sizing: border-box;"><section style="font-size: 22px;margin-top: 3px;margin-bottom: 3px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(78, 145, 237);background-color: rgb(78, 145, 237);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 25px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">3</p></section></section></section><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section style="margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 14px;box-sizing: border-box;">-Insurance Today-</span><br style="box-sizing: border-box;"></strong></p></section></section></section></section><section style="text-align: center;line-height: 2;letter-spacing: 1.5px;font-size: 18px;padding-right: 12px;padding-left: 12px;color: rgb(78, 145, 237);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">为什么会选择Mayo Clinic：全球顶尖的软硬实力</strong></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="line-height: 2;letter-spacing: 1px;font-size: 15px;padding-right: 18px;padding-left: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;">为什么会选择Mayo Clinic？软硬实力使然。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">硬实力方面，</strong>Mayo Clinic综合实力全美第一，专科水平世界顶尖。其不仅拥有全球顶尖的专家团队，同时连续20年位居“最佳医院”名单前茅。在《美国新闻与世界报道》公布的2018——2019全美最佳医院排名中，其再度蝉联综合排名第一，且排名第一的科室数量超过美国其他医院。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">软实力方面，</strong>百年历史，医学圣地，客户满意度高。Mayo Clinic百年历程，始终坚持由Mayo兄弟开创的，通过医学研究改进诊断工具、诊疗技术以及治疗方法的经营理念。同时，为消除医生出于经济压力而左右患者医疗决定的情况，其医生实行定薪制。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">Mayo Clinic百年发展中一直秉持“患者需求至上”的核心文化，为每个病人提供最佳的医疗服务，百年来拥有稳定且优异的专业及服务口碑。</p><p style="white-space: normal;box-sizing: border-box;">百年坚守，终以多学科诊疗模式成为全球医疗目的地。研究数据显示，88%来Mayo Clinic寻求第二意见的患者都获得了全新或更为准确的诊断结果。</p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;"><section style="text-align: center;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: right;font-size: 18px;color: rgb(62, 62, 62);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section><section style="display: inline-block;vertical-align: bottom;width: 17%;box-sizing: border-box;"><section style="font-size: 22px;margin-top: 3px;margin-bottom: 3px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(78, 145, 237);background-color: rgb(78, 145, 237);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 25px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">4</p></section></section></section><section style="display: inline-block;vertical-align: bottom;width: 33.33%;box-sizing: border-box;"><section style="text-align: justify;font-size: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section style="margin-right: 0%;margin-bottom: 10px;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 14px;box-sizing: border-box;">-Insurance Today-</span><br style="box-sizing: border-box;"></strong></p></section></section></section></section><section style="text-align: center;line-height: 2;letter-spacing: 1.5px;font-size: 18px;padding-right: 12px;padding-left: 12px;color: rgb(78, 145, 237);box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">强强结合下的启示：深度挖掘普适性客户需求将成为健康险破局方向</strong></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="line-height: 2;letter-spacing: 1px;font-size: 15px;padding-right: 18px;padding-left: 18px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;">不同于针对高端人群的海外医疗险，确诊保的目标人群乃普罗大众。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">一项对国内重疾出国需求调查中，超过50%人群表示如不考虑成本原因，会选择出国治疗癌症。在一段时间内，赴美治疗仍对中国患者具有较大吸引力，特别是在癌症等重疾领域。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">加之不时传出的海外就医欺诈事件：消费者因受制于海外医疗信息不对称，文化差异等，海外医疗服务筛选盲点重重。对于消费者而言，市场乱象导致其无法放心选择，大量患者需要通过专业规范通道协助完成海外就医。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">基于上述背景，海外医疗保险，特别是赴美医疗保险产品在一定阶段内仍将是市场的热点，具有相当的市场潜力和需求。价格亲民、具有普适性的优质赴美医疗保险产品，具备爆款的可能性。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">再度联想当前健康险同质化严峻的现实，与竞争只能停留在费用战、价格战为主的无奈竞争策略，深度挖掘客户需求创新产品将是健康险脱离红海之有效策略。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">中国人寿财险与Mayo Clinic合作下的确诊保，不失为一个有益的尝试。千信雅作为海外就医指定授权服务商，在确诊保客户和世界顶尖医院Mayo Clinic之间搭建服务的桥梁，提供最细致的照顾、最妥善的安排。确诊保+海外医疗险或许将成为中国人寿财险2019年的健康险爆点。</p></section></section>
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