《大行報告》中金:阿里健康(00241.HK)合作推糖尿病慢病險 探索院外管理新模式
阿里健康(00241.HK)與慧醫天下舉行線上戰略合作簽約儀式,推專注服務糖尿病患者的「互聯網+」慢病保險產品「安唐保」。中金發表報告指,「安唐保」作為一款專為糖尿病患者打造的產品,在提供專業保險的理賠報銷服務的同時,提供在線問診、開方用藥、科普患教、控糖管理等覆蓋患者全周期、全方位的健康服務。
該行認為,「健康管理+保障」是目前健康險行業發展的重要趨勢,此類慢病險的推出既能有效控制慢性疾病負擔,亦能幫助公司觸達更多慢性病人群。
該行指,阿里健康探索院外管理新模式,普惠型醫療平台建設更進一步。公司依托數字化能力和基礎,以「雲基建」為基礎、「雲藥房」為核心、「雲醫院」為引擎,定位實現普惠醫療平台。中金認為,公司通過進一步加碼慢病險業務,針對慢病用戶的需求將健康管理前置,能夠滿足輕症、並發症、重疾各階段病程的不同需求,同時有望進一步提高公司自身嚴肅醫療屬性業務的客戶粘性,實 現長期業務穩定性和盈利改善。
中金維持阿里健康2023財年及2024財年收入預測分別為247.8億元及300.6億元人民幣,淨虧損預測分別為1.68億元及1.52億元人民幣。同時維持「跑贏行業」評級,目標價5.3港元。
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