推进医疗健康大数据，深化健康险产品创新

Investment Rating - The report does not explicitly state an investment rating for the industry or the specific company involved. Core Insights - The report emphasizes the importance of advancing healthcare big data applications and enhancing the health insurance product innovation to better serve the market needs and improve customer experience [1][18]. Summary by Sections 1. Background of Healthcare Big Data - The report highlights the push for healthcare big data applications, focusing on the establishment of a health information service system and the integration of commercial health insurance information with national medical insurance platforms to enhance data sharing and utilization [1][2]. 2. Innovation in Health Insurance Products - The "Health Big Data Project" by the company aims to leverage advanced technology to innovate health insurance products, utilizing data from past customer policies and claims to enhance product offerings [2][5]. - The introduction of a critical illness model in April 2020 has allowed for better risk control and lower claim rates, leading to more favorable product pricing [5][15]. - The report discusses the implementation of a "pre-underwriting, then insurance" process to streamline the application experience, significantly reducing wait times and improving customer satisfaction [11][18]. 3. Future Outlook - The report envisions a future where insurance products are personalized based on customer health assessments, utilizing big data analysis to identify regional health trends and insurance needs [18][19]. - It also anticipates the development of multi-layered medical insurance products, including coverage for individuals with pre-existing conditions, aligning with national health expenditure goals [19].