2025年保险公司福利基准报告：中国

A research report on health andwellbeing services and solutionsoffered by insurers in China. Contents Foreword3About the Survey41Industry Snapshot5Market Profile6Service and Funding Models7Reporting and Engagement9 3Key Takeaways49Building on Emerging Opportunities50in China’s Healthcare EcosystemFilling the Gaps to Address Healthcare51Challenges and Opportunities About Aon53 2Services Offered12Employee Assistance Programs13Telemedicine18Medical Second Opinion23Talks and Workshops27Health Screenings31Health Engagement35Mental Health36Case Management38Specialist Programs41Onsite Clinics44 Foreword Health Screenings: A Systemic Challenge Technological Innovation and Market Opportunities Health screenings are a cornerstone of corporatehealth benefits. While the majority of employers offercomprehensive health check-ups, the current modellacks a connected approach, with critical gaps in post-screening reporting and follow-up, leaving employeeswithout a clear pathway for ongoing monitoring oreffective clinical treatment. Technological innovation presents significant potentialfor effective intervention when immediate treatment isrequired. Telemedicine services in China are remarkablyadvanced, with the ability to prescribe medications anddeliver drugs within hours in major cities. However, theseservices are rarely integrated into standard insurancecoverage, representing another significant opportunity forinsurers to integrate these services into standard insurancecoverage, thereby improving patient care and reducing claims. Nina Yu Deputy General Manager andHead of Health Solutions, China Medical Networks and User Experience Navigating China’s HealthInsurance Landscape Patchy availability of healthcare across China presentsinsurers and employers with significant challenges indelivering a consistent user experience. Many patientslack access to timely and effective medical treatment,particularly outside of the major cities where topmedical professionals and facilities are concentrated.Insurers will often address this by developing their owncomprehensive networks that can deliver accessibilityand quality of care across a range of locations. The Report: A Comprehensive Market Overview This report explores health insurance products andservices from insurers in China. It delivers detailedinsights into service models and performance, userexperience and client engagement and reportingto provide a nuanced understanding of the currentproducts and services to the corporate market in China. China’s1health insurance market stands out as acomplex, dynamic ecosystem that reflects the country’sunique economic and demographic characteristics. Thisreport, the first in Aon’s regional benchmarking series,offers a deep dive into the health insurance productsand services from insurers across China, revealing bothsophistication compared with other countries in theregion as well as critical gaps and opportunities. Our research reveals that while Chinese health insurersoffer extensive services, there remains substantial roomfor innovation. The most successful insurers will bethose who can: Preventive Programs: Engagement Over Impact 2025 Insurer Wellbeing Benchmarking Report: ChinaThe Chinese health insurance market is definedby intense competition, with 75 life insurancecompanies vying for market share. This competitiveenvironment drives a comprehensive approach to healthmanagement, providing corporate clients with accessto advanced technologies and a wide range of services.However, our research shows this comprehensive rangeof products and services does not always translate tobetter health outcomes or employee satisfaction. Preventive health programs are another commonfeature of corporate health benefits. Wellness initiativeslike health training days, step challenges, and weightmanagement programs are designed to offer holisticsupport for employee wellbeing and preventive healthmeasures. These programs are generally measured byparticipation only, highlighting a missed opportunityto offer long-term tracking and impact measurement.Introducing these measures can enable employers toassess how effective these programs are in creatingsustainable lifestyle changes, improving employeehealth and reducing medical claims. ●Develop proactive health management strategies●Deliver high-quality experiences across locations●Demonstrate measurable impact on employee healthand claims reduction As China continues to evolve its healthcare ecosystem, thisreport serves as an important resource for understandingthe state of health insurance and identifying futureopportunities for innovation. 1About the Survey A survey was conducted in early 2025 to gain an in-depthunderstanding of the wellbeing and care services beingoffered to organizations across Asia. Specifically,12 insurers from China responded to more than 600questions exploring service offerings and performance,client engagement, and reporting across ten wellbeingand care areas.