Ping An Health (Diagnostics) Center Redefines Commercial Health Insurance Empowerment Through Differentiated Chronic Disease Management

“Hello, Mr. Ma. Your recent brain imaging results indicate a risk of acute cerebral infarction in the left occipital lobe. Please seek medical attention at the nearest healthcare facility as soon as possible.”

Mr. Ma (a pseudonym) never imagined that a routine health checkup would ultimately save his life. Even more surprisingly, the institution not only detected a concealed acute cerebral infarction through precise screening, thereby securing the critical window for treatment, but also facilitated his full recovery without sequelae by implementing a personalized chronic disease management plan post-surgery.

From life-saving care to rehabilitation, and ultimately to regaining a high quality of life—this comprehensive suite of professional, practical, and compassionate health management services profoundly moved Mr. Ma, fostering an unprecedented level of trust in health management and commercial health insurance. The following year, he proactively purchased a high-coverage policy, casting the most decisive vote of confidence through his actual choice.

For a long time, while the “deep integration of chronic disease management and commercial health insurance” has been an industry consensus, it has consistently faced a pervasive bias: that chronic disease management is merely a marketing embellishment for health insurance—visually appealing but incapable of generating real value. Mr. Ma’s case precisely shatters this prejudice, demonstrating that chronic disease management is not just a tool for traffic generation, but a core capability that delivers tangible medical outcomes, builds user trust, and drives business growth.

The institution that has enhanced Mr. Ma’s trust in commercial health insurance is Ping An Health (Testing) Center.Leveraging over a decade of accumulation under Ping An Group’s dual-engine strategy of “Integrated Finance + Healthcare and Elderly Care,” Ping An Health (Check-up) Center, as a key component of Ping An Good Doctor’s “Online, In-Hospital, At-Home, and To-Enterprise” four-pronged service network, is deeply rooted in offline physical healthcare. It continuously refines its capabilities for refined chronic disease management and has amassed mature practical industry experience.Recently, at the VCBeat Top 100 Conference 2026, Zhou Nannan, General Manager of Ping An Health (Testing) Center, further unveiled the core strategies behind its differentiated breakthrough in chronic disease management and the achievement of tangible growth through medical-insurance integration.

China's chronic disease management industry has long faced three core pain points:First, service depth is insufficient; most institutions only offer basic metric monitoring and general health advice, lacking medical-grade intervention capabilities. Second, user adherence is low due to weak health management awareness and ambiguous service outcomes, making long-term persistence difficult. Third, the service chain is fragmented, with disjointed offerings prevalent, hindering the implementation of closed-loop, full-lifecycle services.

In this regard,As a key component of Ping An Good Doctor’s “Four-To” service network—covering online, hospital, home, and enterprise services—Ping An Health (Testing) Center is grounded in physical medical care. Supported by robust resources, standardized processes, and nationwide coverage, it has refined a four-dimensional chronic disease management system characterized by depth, precision, breadth, and comprehensiveness, thereby carving out a differentiated development path.

Substantial investment in core resources is the foundation for Ping An Health (Testing) Center to achieve medical-grade service depth.According to Zhou Nannan, Ping An Health (Diagnostic) Center has possessed high-threshold, high-barrier core advantages since its inception, investing in the layout of three key resources: scarce licensing resources, high-end imaging equipment resources, and a highly skilled medical and nursing team.

In terms of licensing resources, among the tens of thousands of physical examination institutions across China, only a small minority hold compliant third-party imaging licenses. Ping An Health (Testing) Center possesses 11 such scarce licenses, firmly securing its position at the forefront of the industry. Leveraging this advantage, Ping An Health (Testing) Center has deeply established a diagnosis, treatment, and health management service system covering six major specialties, including cardiology, respiratory medicine, gastroenterology, and orthopedics. Regarding investment in high-end imaging equipment, Ping An Health (Testing) Center is the first third-party institution to obtain certification for PET/MR. The deployment of cutting-edge imaging equipment helps mitigate the risks of missed or misdiagnoses at the source, thereby enabling a transition from general, broad-spectrum health management to in-depth, medical-grade health management. In terms of aggregating medical and nursing resources, Ping An Health (Testing) Center has not only built an in-house medical and nursing team of nearly 500 professionals but also collaborates with discipline leaders, core clinical staff, and external experts to form specialized expert groups, ensuring timely service response and depth of service content.

The construction of a tiered and stratified service system and the establishment of the “Four-Specialist Co-Management” model are key to enhancing management effectiveness and patient compliance at Ping An Health (Diagnostic) Center.On one hand, it has meticulously established a closed-loop system encompassing “precision screening and stratification, risk assessment, customized plans, and dynamic follow-up.” By integrating user data such as age, physical constitution, medical history, and regional characteristics, it achieves personalized “health maintenance” tailored to each individual (“one person, one strategy”). On the other hand, it has built a collaborative management system involving four types of professionals—general practitioners, health managers, registered dietitians, and psychological counselors—to deliver multidimensional interventions from the perspectives of disease control, nutrition, psychology, and behavior. Visualized improvements in health indicators, coupled with dedicated tracking services, significantly enhance user adherence, thereby fostering a positive cycle of “professional intervention, visible results, and proactive persistence.”

The extended layout of all-scenario, full-cycle services is Ping An Health (Testing) Center's powerful "counterattack" against the fragmentation of chronic disease management.Leveraging Ping An Group’s comprehensive medical ecosystem, Ping An Health (Testing) Center has broken down internal and external resource barriers to build a complete service system covering all scenarios and the entire lifecycle. Internally, it has established physical centers in 11 cities across China, solidifying its localized service presence. Externally, it has secured contracts with 100% of the top 100 Grade A tertiary hospitals both globally and nationwide, establishing channels for medical assistance and integrating the global supply chain for scarce medicines to enable rapid cross-border drug delivery. From in-hospital health check-ups and daily interventions to emergency care, postoperative rehabilitation, and cross-border medication coverage, Ping An Health (Testing) Center not only meets users’ lifelong health needs and overcomes the limitations of single-institution services but also addresses the gaps in the industry’s service chain.

Overall, the medical-grade chronic disease management system of Ping An Health (Testing) Center not only precisely addresses industry pain points such as superficial and fragmented services and low patient adherence, but also provides full-chain empowerment for commercial health insurance.

Ping An Health (Testing) Center’s empowerment of commercial health insurance now covers the entire value chain, including product development, service delivery, and customer acquisition and conversion.

Let’s first look at product innovation and development.It is well known that high-quality data is key to the development of commercial health insurance products, characterized primarily by two features: richness in dimensions and continuity over time. These are precisely the data barriers established by Ping An Health (Testing) Center.

Specifically, in terms of data richness, Ping An Health (Testing) Center incorporates four dimensions: medical imaging, laboratory tests, functional assessments, and questionnaires. The integration of these four-dimensional data enables more comprehensive customer profiling and more precise risk assessment. In terms of data collection duration, Ping An Health (Testing) Center has been serving commercial insurance clients for 11 consecutive years, thereby revealing long-term, continuous dynamics in user health changes. Furthermore, it is important to note that due to the unique positioning of Ping An Health (Testing) Center, clients with commercial health insurance constitute the core proportion of its service base. This has further accumulated a pool of typical samples and precise target user profiles for the development of commercial health insurance products.

Accordingly, Ping An Health (Testing) Center can empower the innovative development of commercial health insurance. Notably, variations in regional climate, dietary habits, and living environments lead to differences in the prevalence of chronic diseases across regions. Leveraging its long-accumulated regional health data, Ping An Health (Testing) Center can accurately capture region-specific disease profiles and disparities in health risks. This capability not only facilitates the development of insurance products tailored to regional specific diseases but also optimizes the content of regional health insurance services, thereby aligning commercial health insurance products more closely with local population needs and enhancing their market competitiveness.

Let’s now turn to service uptake.Only when the chronic disease (health) management services included in commercial health insurance can be effectively implemented with visible outcomes can the prejudice that they are merely “marketing gimmicks” be truly dispelled. As previously mentioned, Ping An Health (Testing) Center has enhanced the quality of chronic disease (health) management by making substantial investments in high-quality resources, establishing a precise intervention system, and implementing a comprehensive, end-to-end service framework. This approach has earned user trust and thereby enabled effective delivery of chronic disease management services.

Finally, let's examine customer acquisition and conversion.First, in-depth offline health examinations inherently possess the attribute of precise customer acquisition, efficiently screening for high-net-worth clients with substantial insurance coverage needs. Meanwhile, long-term, continuous chronic disease intervention services overcome the limitations of low frequency and weak engagement typical of traditional insurance services, thereby strengthening customer stickiness.

Secondly, and more importantly, precise medical interventions can effectively normalize clients’ abnormal health indicators, improve their health risk profiles, and help individuals who were previously deferred, rated up, or declined due to health issues meet underwriting standards again. This continuously expands the pool of insurable individuals for commercial insurance, unlocking significant growth potential from existing customer bases for insurance institutions.

For example, in the operations of a commercial insurance institution in a certain city, partners identified 100 existing policyholders with abnormal health indicators and a history of deferred underwriting or premium loading. Leveraging Ping An Health (Testing)’s chronic disease management system, they implemented targeted, refined interventions. After several months of comprehensive, cyclical care encompassing diet, exercise, and medication, 72 clients showed significant improvement in their abnormal indicators, substantially reducing their health risks. Ultimately, 59 out of the 100 existing clients were successfully underwritten, achieving efficient reactivation and value conversion of the existing customer base.

Real-world cases vividly demonstrate how Ping An Health (Testing) Center provides end-to-end empowerment to commercial health insurance based on chronic disease management services. Yet it has not rested on its current achievements; instead, it continues to upgrade and iterate by aligning with emerging industry trends and evolving customer needs.

Ping An Health (Check-up) Center will continue to iterate its health management capabilities around the two dimensions of technological innovation and service upgrades, expanding the boundaries for the integrated development of health management and commercial health insurance.

In terms of technological innovation,In recent years, a new wave of artificial intelligence, represented by large language models and digital twins, has swept across all sectors of the healthcare industry. In response to this,Ping An Health (Check-up) Center is exploring the deep integration of AI technology into a full-cycle chronic disease management system to enhance management outcomes and enable precise interventions. Meanwhile, catering to the needs of high-net-worth individuals, it has created “digital twins” of real physicians to provide users with 24/7 online health companionship services, including nutritional guidance, exercise recommendations, and medical report interpretation.

In terms of service content upgrades,Traditional chronic disease management has largely focused on controlling indicators for single diseases, yet it struggles to address real-world challenges such as multimorbidity, polypharmacy, and poor adherence.Today, this status quo is being disrupted. As the health demands of high-net-worth clients continue to evolve, users are no longer satisfied with merely correcting single indicators; instead, they increasingly pursue overall physiological balance and long-term healthspan extension.Ping An Health (Testing) Center integrates functional medicine principles into the entire chronic disease management process, achieving a comprehensive upgrade from “single-specialty treatment” to “co-management of multiple conditions,” and from “indicator-oriented” approaches to “holistic regulation.” This transformation makes chronic disease management more adherent-friendly rather than counterintuitive, truly helping clients transcend mere improvement in clinical indicators to achieve holistic health regulation.

Zhou Nannan stated that in the future, Ping An Health (Testing) Center will continue to be grounded in physical resources, leverage technology as a key enabler, and orient itself toward commercial insurance needs. It aims to refine its precision health services, deepen integration and symbiosis with basic medical insurance, activate new growth drivers for commercial insurance through solid medical value, and support the industry’s high-quality, sustainable development.