Rising medical inflation and ageing populations are forcing life and health insurers to shift from product distribution to life-stage design and value generation.
The Care Bridge Health Insurance Scheme combines inpatient coverage in Hong Kong and Mainland China with outpatient and preventive care services in Hong Kong.
Day procedures and higher-end outpatient care were flagged as key drivers, with the study also pointing to panel providers and group plans as potential cost moderators.
Accelerating medical cost inflation, strained combined ratios, and rising protection gap demands urgent joint action from governments, regulators and insurers.
