德华安顾携手水滴保推出“全医保” 带病可保可赔 5年保证续保

Core Insights - The article highlights the launch of a new medical insurance product, "All Insurance," which does not require health declarations and guarantees renewal for five years, addressing the insurance needs of individuals with chronic diseases [1][3][4]. Group 1: Product Features - "All Insurance" allows coverage for general pre-existing conditions, excluding five severe categories, thus enabling individuals with chronic diseases like hypertension and diabetes to obtain insurance [3][4]. - The product offers a coverage limit of 2 million yuan for general medical insurance and 200 million yuan for critical illness medical insurance, with additional benefits for specific treatments [3][4]. - The insurance guarantees renewal for five years, with the maximum renewal age set at 105 years, catering to the needs of the elderly population [4]. Group 2: Market Context - The current market for medical insurance often employs a "yearly throwaway" strategy for individuals with pre-existing conditions, leading to potential coverage gaps [4]. - Approximately 75% of individuals aged 60 and above in China suffer from at least one chronic disease, indicating a significant market for tailored insurance products [4]. Group 3: Service Enhancements - The product includes value-added services such as "one-code payment," "check-up green channel," and "hospitalization green channel," enhancing the overall user experience [6]. - The insurance expands its hospital network to include ten private hospitals, providing users with more healthcare options beyond public hospitals [5]. Group 4: Industry Impact - Waterdrop Insurance aims to redefine the risk boundaries for insurable individuals with chronic conditions, leveraging extensive data to improve underwriting processes [7]. - The collaboration with Deutsche Assistance Life Insurance reflects a commitment to innovation in health insurance, focusing on customer-centric solutions [8].