Fosun's Visionary Move: Digital Assets Propel Insurance Toward a Technology-Enabled Tomorrow

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Fosun's Visionary Move: Digital Assets Propel Insurance Toward a Technology-Enabled Tomorrow

Bitget-RWA2025/11/17 07:14

By:Bitget-RWA

- Fosun Finance's Minsheng Life Insurance launched a virtual asset-linked insurance product, expanding into alternative assets via regulatory-approved "Finance + Technology" integration. - The product secures upfront regulatory approval to mitigate risks, contrasting with India's strict virtual compliance requirements and positioning Fosun to lead digital finance innovation. - Competitors like Hillhouse Capital and Axis Max Life Insurance pursue traditional equity strategies, while Fosun's blockchain-drive

Minsheng Life Insurance, part of Fosun Finance, has introduced a new investment-linked life insurance plan connected to a "Virtual Asset Fund," signaling a strategic move into alternative investments. Having passed regulatory scrutiny,

comprehensive information about the product

will be released in the upcoming months, as reported by Dong Fang Daily. This initiative is in line with Fosun’s ongoing push to merge technology with financial services, a direction that gained momentum after Yunfeng Financial acquired a 60% share in OneConnect Insurance Asia in 2018. By combining licenses in securities, insurance, and asset management, Yunfeng has helped Fosun establish a "Finance + Technology" platform, positioning the group to benefit from new sectors such as virtual assets.

This latest product highlights the increasing demand among investors for diversified investment options as the global financial environment evolves. At the same time, other companies are also expanding their public market activities. For example, Hillhouse Capital recently merged its public equity holdings into a $15 billion fund,

demonstrating optimism in China’s markets

following a 33% surge in the MSCI China Index this year. While Hillhouse continues to focus on conventional stocks, Fosun’s entry into virtual assets reflects a different approach to risk and innovation, aiming to attract investors interested in blockchain and digital assets.

Regulations around virtual assets remain intricate, with authorities sending mixed messages. In India, the Enforcement Directorate (ED) recently

turned down Anil Ambani’s application

to join a FEMA probe remotely, highlighting the difficulties of balancing regulatory compliance with technological advancements. Fosun, on the other hand, has proactively secured regulatory approval for its product, helping to reduce legal and reputational risks. This contrasts with the ED’s insistence on in-person proceedings, illustrating differences in regulatory approaches across regions.

Fosun's Visionary Move: Digital Assets Propel Insurance Toward a Technology-Enabled Tomorrow image 0

Industry experts suggest that Fosun’s strategy may prompt similar moves from other insurers. For instance, Axis Max Life Insurance

has just introduced the BSE 500 Dividend Leaders 50 Index Fund

, focusing on long-term growth through dividends. Although this fund is rooted in traditional equities, its popularity highlights the market’s appetite for clear, structured investment solutions—a model Fosun aims to emulate with its digital asset fund. The insurance industry’s pivot toward passive and alternative products is further enabled by technology, such as

Intuit’s AI-powered financial solutions

for Canadian enterprises, which showcase the increasing role of automation and analytics in finance.

This product launch comes as Fosun strengthens its presence in Asia’s fintech landscape. Yunfeng’s purchase of OneConnect Insurance Asia not only broadened its regulatory reach but also facilitated partnerships with U.S.-based firms. By integrating insurance, asset management, and technology, Fosun is positioning itself to rival global leaders like Hillhouse and Future Standard,

which oversees $1.9 billion

in credit-oriented funds.

Looking ahead, Fosun’s performance will hinge on how well the market receives its new offering and on regulatory developments. Although the Virtual Asset Fund has received the green light from regulators, widespread adoption will depend on investor education around transparency and risk. As the boundaries between digital and traditional finance continue to blur, Fosun’s efforts could become a model for how insurers adapt to the changing financial world.

Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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