Clement Lau Chung-kin, Executive Director, Policy and Legislation, Insurance Authority (Hong Kong)
The Honourable Mr. CHAN Ho Lim, Joseph, JP, Under Secretary for Financial Services and the Treasury, Financial Services and the Treasury Bureau, Hong Kong Special Administrative Region
Lee Yen Ho, Group Chief Distribution & Proposition Officer, FWD Group
Overview: Health insurance is increasingly recognized as a critical pillar of sustainable healthcare systems across Asia. This panel brings together industry leaders, policymakers, and innovators to explore how insurance solutions can support equitable access, improve health outcomes, and enhance financial sustainability.
Panelists will share insights on integrating coverage with preventive care, digital health initiatives, and public-private partnerships, highlighting strategies that strengthen healthcare infrastructure while meeting the evolving needs of populations across the region.
Managing Director, Asian Capital Advisors Limited
Executive Chairman of the Greater Bay Area Healthcare Association (GBAHA) and Managing Partner of EverBright Actuarial Consulting
General Manager, International Affairs (Fellow, Global Business Planning Department), Nippon Life Insurance Company
CEO, HealthMutual Group
Chief Medical Officer, Bowtie Life Insurance Company
Regional CEO, IHH Healthcare North Asia & CEO, Gleneagles Hospital Hong Kong & Honorary Clinical Associate Professor of School of Public Health, Li Ka Shing Faculty of Medicine, The University of Hong Kong
Wan Mohd Hazwan Wan Mohd Najib, Chief Executive Officer, ProtectHealth Corporation, Ministry of Health Malaysia (MOH)
Overview: As healthcare needs evolve, insurers must understand and respond to the shifting expectations of their customers. This session explores emerging consumer trends ranging from digital engagement and telemedicine adoption to personalized insurance solutions and preventive care incentives and how insurers can leverage these insights to drive performance, loyalty, and sustainable growth.
Overview: In this session, LIGHTMAC Medical Group will explore strategies to combat medical inflation and optimize loss ratios through the implementation of standardized care models. The discussion will cover key pillars such as ensuring cost predictability, achieving zero administrative friction, and enforcing robust clinical governance to establish trusted provider networks for major insurers.
Ray Ma, Head of Healthcare Management, LIGHTMAC Medical Group
Overview: As Asia’s healthcare landscape evolves, insurers face mounting pressure from medical inflation, chronic disease spread and the growing demand for value-based care. This session introduces a new framework for integrating medical specialists and second-opinion networks into insurer workflows which transforms claims management from a transactional process into a strategic platform for clinical governance. By placing physicians at the center of clinical decision making, insurers can become true quality drivers within the healthcare ecosystem, improving outcomes while maintaining cost efficiency. We will demonstrate how utilization reviews reduce unnecessary interventions and how partnerships between insurers, corporates, and providers can promote proactive value-based care. The session will also explore how automation and AI can work side by side with human clinical touch.
Nir Kaminer, Founder, MedRev International
Overview: Health insurance is facing unprecedented challenges from rising costs, evolving health risks, and shifting consumer expectations. This panel brings together industry leaders, regulators, and innovators to explore strategies for creating sustainable, resilient health insurance models across Asia.
Panelists will share insights on balancing affordability, risk management, and customer-centric solutions, while examining how technology, partnerships, and innovative product design can ensure long-term sustainability in an increasingly complex healthcare landscape.
Founder, MedRev International
Co-CEO of The GBA Healthcare Group & Chairman of the China Committee the Hong Kong General Chamber of Commerce (HKGCC) & Director at the Hong Kong Chamber of Commerce Guangdong
Councillor, General Insurance Council Member, The Hong Kong Federation of Insurers (HKFI)
Head of Hong Kong & Macau and Greater China Divisional Leader, Insurance Consulting and Technology, WTW
Senior Partner, McKinsey & Company
Abstract: Voluntary health insurance in Hong Kong offers an add-on option to cover Traditional Chinese Medicine (TCM). This option is typically chosen by 34.3% of enrollees with Western Medicine (WM) benefits and 10.7% of the total population. If adverse selection dominates, individuals with higher expected healthcare needs are more likely to choose TCM-inclusive coverage, leading to estimates of utilization biased upwards in naïve models. However, TCM’s holistic appeal could attract people who are more attuned to health and wellness, leading to beneficial selection and lower than average subsequent utilization. We use IV models to detect the direction of the bias. Our instrument set is lags of the insurance coverage of one’s occupational group. Our findings support the beneficial selection hypothesis. IV estimates are two to four times larger than non-IV estimates, indicating that those with a lower propensity to utilize health services self-select into TCM-inclusive coverage. Using instruments to control for bias due to self-selection, TCM-inclusive coverage significantly increases both TCM and WM utilization across extensive and intensive margins, with lower out-of-pocket (OOP) spending, indicating both moral hazard and a complementary relationship between TCM and WM.
Dr David Bishai, Director and Clinical Professor, School of Public Health, The University of Hong Kong & Past President of the International Health Economics Association, 2021 Winner of the Sharmanov Prize in Primary Health Care.
Overview: As Asia’s population ages, insurers face the dual challenge of rising healthcare costs and increasingly complex care needs. This session explores how health insurance providers can design sustainable portfolios tailored to older adults, balancing affordability, coverage adequacy, and long-term financial viability.
Overview: Asia’s aging population is transforming healthcare demand and insurance risk. This session explores how insurers can build sustainable, affordable health coverage for a growing longevity economy across Asia.
Dr Khoo Wooi Chen, Head of Department, Institute of Actuarial Science and Data Analytics, UCSI University
Overview: Asia’s healthcare landscape is changing rapidly, driven by diverse market demands, growing digital adoption, and increasing expectations for affordable and accessible coverage. This panel brings together insurers, policymakers, and digital health innovators to discuss how products and strategies are evolving to meet these challenges.
Panelists will explore approaches to tailoring coverage for different markets, leveraging technology for greater efficiency and engagement, and developing sustainable solutions that balance affordability, access, and quality of care across the region.
Senior Partner, Bain & Company
Chief Insurance Officer, The GBA Healthcare Group
Head of Healthcare Investment, Swire Pacific Limited
Head of Digital Transformation, Bancassurance, Standard Chartered Bank
Chief Health Officer, Prudential BSN Takaful
Overview: Asia’s health insurance markets face differing pressures across emerging and mature economies. This session explores how insurers can balance affordability, innovation, and scalability to meet diverse market needs across the region.
Overview: Asia’s health insurance distribution landscape is rapidly evolving with the rise of bancassurance, Big Tech, and InsurTech players. This session examines who will lead customer access, trust, and scale in the next phase of growth.
Overview: Explore how insurers in Asia are leveraging preventive care, wellness programs, and wearable technology to reduce costs and improve health outcomes. Can innovation truly bend the region’s healthcare cost curve?
Overview: Cancer treatment remains one of the most significant financial and healthcare challenges in Asia. This session explores how insurers are designing innovative coverage solutions that improve affordability, enhance access to care, and provide comprehensive support for patients.
Overview: Cardiovascular diseases are a leading health challenge across Asia, impacting both individuals and healthcare systems. This session explores how health insurance solutions can help mitigate risk through preventive programs, early detection, and tailored coverage options.
Ex: As vaping and e-cigarette use surge among Asia’s youth and young adults, health systems are facing a new wave of lifestyle-related cardiovascular risks. Unlike traditional smoking, vaping’s long-term health impact remains under-researched — yet early studies point to increased risks of heart disease and hypertension.
As healthcare systems across Asia face rising critical illness rates, demographic shifts, and escalating medical inflation, insurers are under mounting pressure to anticipate and manage high-impact health risks more accurately than ever before. This thought-provoking exchange brings together senior insurance leaders, healthcare strategists, and risk experts to examine the blind spots that may be distorting underwriting assumptions, pricing strategies, and long-term sustainability.
Insurance Executive/ Senior Advisor -Consultant
Chief Executive Officer, ProtectHealth Corporation, Ministry of Health Malaysia (MOH)
Overview: With the rise of diabetes and lifestyle-related health conditions across Asia, insurers are increasingly focusing on preventive strategies to improve long-term health outcomes. This session explores how health insurance products can incorporate wellness programs, digital health tools, and early intervention initiatives to manage chronic risks more effectively.
Overview: Rare and high-cost illnesses pose significant challenges for insurers, patients, and healthcare systems across Asia. This session explores strategies for designing sustainable coverage models that provide adequate protection while managing financial risk.
Overview: Critical illness insurance is a cornerstone of financial protection for patients facing serious health events, but designing products that balance risk, affordability, and outcomes remains challenging. This session explores strategies for optimizing coverage, pricing, and claims management to meet both insurer sustainability and patient needs.
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Early Bird Ends on 28 February 2026
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