"BiHui e-Sheng" Officially Launched: Miaojiankang Unveils Customized Comprehensive Health Coverage for Millions of Country Garden Residents

On March 1, “Bihui E-Sheng,” a customized hospitalization medical insurance product jointly launched by Bihuibao (a subsidiary of Country Garden Services), Miaobao (under Miao Health), and ZhongAn Insurance, was officially introduced. Covering family members of all age groups, the product leverages an integrated closed-loop service ecosystem encompassing health, medical care, pharmaceuticals, and insurance to provide Country Garden’s millions of community residents with a comprehensive solution combining insurance coverage and full-lifecycle health management.

As an inclusive health insurance product designed for community outreach, “Bihui e-Sheng” offers the advantages of low entry barriers and comprehensive coverage. It features a low deductible, a maximum sum insured of RMB 4 million, reimbursement for expenses both within and outside the scope of social medical insurance, and 100% reimbursement after the deductible is met. Policyholders also receive personalized health management services, with frequent medical and health support tailored to the individual health conditions of residents, ensuring peace of mind when purchasing and maintaining coverage.

More importantly, “Bihui e-Life” requires no medical examination, no health declaration, and has no waiting period; it only excludes major pre-existing conditions, is open to all occupations, and covers individuals aged 0–70, serving as a robust supplement to basic resident medical insurance. Meanwhile, Miao Health, by integrating intelligent, full-scenario services, provides Country Garden property owners with a one-stop solution for their diverse needs, ranging from health management and medical consultations to community pharmaceutical services and insurance claims processing. These services also include value-added offerings such as medication consultation and delivery, daily health advice and guidance, and housekeeping services.

In recent years, with the development of modern society, people’s awareness of health risks has continued to rise, driving growing market demand for health insurance and sustaining a multi-year upward trend in the health insurance sector. Against this backdrop, community-based customized health insurance products—designed to leverage strong aggregation effects and address population-specific needs—have emerged. Owing to their accessibility, precisely targeted coverage advantages, and comprehensive health services, these products have become a new focal point of growth in the industry.

Leveraging Country Garden’s community of over one million residents, BiHuiBao, the insurance brokerage brand under Country Garden Services, utilizes a team of professional on-site insurance stewards to provide personalized, professional insurance services directly to homeowners. This initiative aims to build a closed-loop community insurance ecosystem centered on “People · Health · Life.” Among the diverse insurance products offered by BiHuiBao, health insurance, as an essential need, has naturally become the focal point.

The launch of “Bihui e-Life” marks a strategic alliance among Bihui Bao, ZhongAn Insurance, and Miao Health, leveraging their collaboration in health insurance and health management to jointly create a nationally leading “Health Community” service model. This inclusive community-based health insurance product aligns with public demand by enabling services and settlements to be completed locally (“at the doorstep”), while also providing high-quality health management services to facilitate disease prevention.

Prior to the launch of “Bihui e-Life,” Miao Health, as a leading digital precision health management platform in China, had served for several consecutive years as the general contractor for Country Garden Group’s health management services. By leveraging technologies such as artificial intelligence, big data, and the Internet of Things (IoT), Miao Health helped hundreds of thousands of employees manage their health. Its professional and effective services, along with an efficient SaaS-based management model, have been highly recognized by clients. Furthermore, Miao Health has established partnerships with more than 80 insurance institutions through its business model that integrates health management with health insurance.

In the “Bihui e-Life” business, Miao Health participates in the entire process, including insurance product design, health risk assessment, actuarial pricing, provision of full-lifecycle health management services, daily chronic disease management services, and third-party administrator (TPA) claims services. Leveraging this innovative model, it integrates healthy living concepts into communities, creating a full-cycle healthy living service system that spans from design to implementation and from supporting facilities to services.

In the future, as the “Bihui e-Life” model gains nationwide adoption across China, it will help further expand the health insurance market and promote the specialized development of health insurance. It is expected that the implementation of this community-based service model will foster the integration of health insurance with health management, provide citizens with greater protection against health risks, generate substantial social and economic benefits, and contribute to the building of a Healthy China.