中国人保健保通解读：中英文双语

中文段落：

中国人保健保通，简称“健保通”，是中国人保健康推出的一项创新医疗服务。它旨在通过科技手段，将传统的医疗保险服务与现代化信息技术相结合，为参保人提供更加便捷、高效的医疗结算与健康管理服务。

健保通的核心在于实现了医疗费用的实时结算。参保人在合作医疗机构就诊时，无需先行垫付医疗费用，而是通过健保通平台与医疗保险系统直接对接，实现医疗费用的即时结算。这不仅大大减轻了参保人的经济压力，还避免了繁琐的报销流程，提高了就医体验。

此外，健保通还提供了健康管理服务。通过收集和分析参保人的健康数据，健保通能够为其制定个性化的健康计划，提供疾病预防和健康管理建议。这种全方位的服务模式，不仅有助于参保人维护自身健康，还能在一定程度上降低医疗成本。

健保通的推出，是中国人保健康在医疗保险领域的一次重要创新。它不仅提高了医疗保险服务的效率和质量，还为参保人带来了更加便捷、全面的医疗保障体验。随着科技的不断进步和医疗服务的日益完善，相信健保通将在未来发挥更大的作用，为更多参保人带来福音。

英文段落：

China Life Health Insurance's "Health Insurance Connectivity" (HCIC), also known as "Jian Bao Tong," is an innovative medical service introduced by China Life Health Insurance. It aims to provide more convenient and efficient medical settlement and health management services to insured individuals by combining traditional medical insurance services with modern information technology.

The core of HCIC lies in the real-time settlement of medical expenses. When insured individuals visit cooperating medical institutions, they no longer need to pay medical expenses upfront. Instead, the HCIC platform directly connects with the medical insurance system to achieve immediate settlement of medical expenses. This significantly reduces the economic pressure on insured individuals, eliminates cumbersome reimbursement processes, and enhances the medical experience.

In addition, HCIC also offers health management services. By collecting and analyzing the health data of insured individuals, HCIC can develop personalized health plans and provide disease prevention and health management advice. This comprehensive service model not only helps insured individuals maintain their health but also reduces medical costs to some extent.

The launch of HCIC represents a significant innovation by China Life Health Insurance in the field of medical insurance. It not only improves the efficiency and quality of medical insurance services but also brings a more convenient and comprehensive medical security experience to insured individuals. With the continuous advancement of technology and the improvement of medical services, it is believed that HCIC will play an even greater role in the future, bringing benefits to more insured individuals.