Dehua Angu Life Insurance and Shuidi Insurance recently jointly released the "Yisheng Guardian" major disease insurance. Unlike general critical illness insurance, this product belongs to the Internet long-term critical illness insurance with common past symptoms that can be insured and compensated. It not only simplifies health notification and fast underwriting, but also expands the insurance age to 70 years old. Moreover, it can also be insured for people with chronic diseases such as high blood pressure, high blood pressure, and nodules.
There is a large number of people with chronic diseases in our country. Generally, it is difficult for these people to purchase insurance, and their health information is stricter. The threshold for purchasing insurance is relatively high. In response to this pain point, "Yisheng Guardian" critical illness insurance greatly simplifies health notification, and users only need to answer 3 questions to complete.
It is understood that the "Yisheng Guardian" major disease insurance provides equal protection for patients with chronic diseases, thyroid, breast, and lung nodules, as well as for healthy customers. 28 industry standard major diseases and 3 industry standard mild diseases are mandatory liabilities, and death insurance benefits are optional liabilities. From the perspective of protection scope, the maximum age of insurance for this product can reach 70 years old, and it meets the health notification of past symptoms that can be insured and compensated.
Xiao Ping, Assistant General Manager, Chief Information Officer, and Chief Operating Officer of Dehua Angu Life Insurance, stated that in the increasingly severe trend of aging population, Dehua Angu Life Insurance has actively chosen the elderly market as a segmented market and conducted differentiated operations. It has laid out and determined the strategy of "silver hair market" early on, deeply optimized the research and development of elderly insurance products and service supply in the health insurance field, and enriched the supply of products in the elderly market.
According to Ran Wei, General Manager of Shuidi Insurance, Shuidi Insurance relies on Shuidi Company to accumulate a large amount of rich data sets on insurance underwriting, disease claims, health services, etc. through internet insurance, major disease fundraising, medical and health services, which can provide more dimensional references for product design and better grasp risk control.