将失能保障广泛普及至年轻群体 慧择联合德华安顾人寿推出爱德华2号

Core Viewpoint - Huize Holdings, in collaboration with Dehua AnGu Life Insurance, Mingya Insurance Brokerage, and Datong Insurance Sales Service, launched the Edward No. 2 Disability Income Loss Insurance to address the financial risks associated with disability in Chinese families [2][3]. Group 1: Product Launch and Market Context - The launch of Edward No. 2 coincides with China's accelerating aging population and changing disease spectrum, with 46.54 million people currently classified as severely disabled, leading to an annual economic burden of 1.35 trillion yuan, which represents 1.07% of the GDP [3]. - The product aims to fill the significant gap in disability risk protection, as the current coverage rate for commercial disability insurance is below 0.2% [3][6]. Group 2: Product Features and Benefits - Edward No. 2 offers high cost-effectiveness, with a 30-year-old male paying an annual premium of 2,443.1 yuan for a coverage amount of 10,000 yuan, potentially receiving up to 2.36 million yuan if they meet the disability criteria [5][6]. - The insurance covers 50 specific severe diseases and offers flexible options for additional coverage, including severe cancer compensation and mild disability compensation, ensuring comprehensive protection against disability risks [5][6]. - The product features lenient payment conditions, allowing beneficiaries to receive monthly allowances without annual verification for the first five years after diagnosis, thus reducing the burden of proof on users [6].