健康险“价格战”AB面:行业进入“市场竞争更充分”阶段丨“病有所保”大调研

第一财经
Sep 01, 2025

价格竞争的背后,一定程度上是新入局者对存量市场的争夺。   “原先1万元的高端医疗险产品逐渐降级至1000~3000元的中高端险种,而几百元的中低端百万医疗险的保障范围的广度似乎又超过了大几千元的重疾险。当整个保险界过早消耗‘消费降级’的机会,陷入‘价格战’时,一个悖论就出现了:涨费率,产品卖不出去;维持低费率又会导致低融资水平,产品的保障范围就不可能大幅延展。”一名受访保司精算师对第一财经表示。...

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