Since 2021，the product structure of private health insurance has been stable，and the relative relationship among critical illness insurance，medical insurance，and nursing insurance has not changed significantly. However，new critical illness insurance sales have fallen sharply，making it extremely difficult to obtain new customers. Inclusive supplementary medical insurance continues to develop more and more rapidly，and million-medical insurance has entered the stage of customer management. Advanced medical aggregation products show great vitality because they include particular medicine，equipment，advanced therapy，and other medical resources. Long-term care insurance，chronic patient insurance，elderly insurance，and consumer health insurance are still in the initial stage of development.