Current Situation and Development Suggestions of Exercise-Incentivized Life Insurance

Zijia Yi ()
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Zijia Yi: Central University of Finance and Economics

A chapter in Proceedings of the 2026 11th International Conference on Social Sciences and Economic Development (ICSSED 2026), 2026, pp 1005-1014 from Springer

Abstract: Abstract The sports and health incentive commercial life insurance, with the “insurance + health management” model, has become a key path to implement the “Healthy China 2030” Planning Outline and an important tool for insurance companies to shift from “post-event compensation” to “pre-event prevention”. This article selects three typical products from Ping An Life Insurance, Sunshine Life Insurance and Taikang Life Insurance, systematically sorts out their current development status, focuses on the core pain points such as single assessment standards, unstandardized data management, insufficient incentive effectiveness and consumer cognitive bias, and proposes coordinated optimization suggestions from three aspects: product design, operation system and industry supervision, to help the products upgrade to precision, intelligence and scenario, and support the high-quality transformation of life insurance and the implementation of the Healthy China strategy.

Keywords: Exercise-incentive Commercial Life Insurance; Practical Analysis; Health Management; Collaborative Optimization; Healthy China (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6239-701-9_103

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DOI: 10.2991/978-94-6239-701-9_103

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