Insurance and Health Management: The Application of Insurance in the Health Management Industry - Exemplified by Kaiser Permanente in the United States and Ping An Insurance in China

DOI

10.2991/978-2-38476-585-0_85How to use a DOI?

Keywords

Insurance; Health Management; Kaiser Permanente; Ping An of China; Tech-Enabled

Abstract

In recent years, China’s aging population has become a heavier burden of chronic diseases. China has actively promoted the elderly service system toward a high level of development. The dual pressure of escalating health demand and the mismatch of medical resources has accelerated the change of insurance products and health protection models. This paper compares and contrasts the application of insurance in the health management industry through case studies. It summarizes the successful commercialization model of Kaiser Permanente’s “insurance + health management” synergistic development, which adopts a prepaid system and medical risk co-payment, coupled with strong investment in health information technology and strict control of medical costs; its costs are lower than the industry average. Ping An of China, on the other hand, has created a more extended “insurance + service” ecosystem model. Technology-enabled service upgrading utilizes AI and big data to build claims and health management platforms; the whole life cycle health management closed loop greatly improves work efficiency. Both reflect the general trend of insurance transforming from a pure risk compensator to a health manager and technology-enabled transformation. This research contributes to filling the interdisciplinary research gap on health management and insurance and exploring health management services. In terms of social public services, it can promote the realization of the goal of benefiting people’s health, reducing costs, and improving efficiency.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Renjie Guan
PY  - 2026
DA  - 2026/06/18
TI  - Insurance and Health Management: The Application of Insurance in the Health Management Industry - Exemplified by Kaiser Permanente in the United States and Ping An Insurance in China
BT  - Proceedings of the 2025 International Conference on Hybrid Commerce, Human Capital, and Economic Dynamics (ICHCH 2025)
PB  - Atlantis Press
SP  - 753
EP  - 760
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-2-38476-585-0_85
DO  - 10.2991/978-2-38476-585-0_85
ID  - Guan2026
ER  -