中意鑫意无忧失能收入损失保险 如何助力化解“失能即返贫”的隐忧

Core Insights - The report highlights the increasing pressure on only children in China due to the "4-2-1" family structure, where one child is responsible for caring for two parents and four grandparents, leading to significant economic and emotional stress [1][4] - The introduction of the "Xin Yi Wu You" disability income loss insurance by Zhongyi Life Insurance aims to provide financial protection for families facing the risks of parental disability and child-rearing responsibilities [1][4] Group 1: Product Features - "Xin Yi Wu You" offers a broad coverage that includes 121 major diseases, aligning with the standards set by the China Insurance Industry Association [4][6] - The insurance categorizes diseases into two groups: first group focuses on chronic and long-term illnesses, while the second group includes acute and severe diseases, ensuring targeted financial support [4][5] - The product features a user-friendly verification process, allowing for continued benefits with less frequent checks, thus balancing risk management and customer care [5][6] Group 2: Company Overview - Zhongyi Life Insurance, established as the first joint venture insurance company in China post-WTO accession, has maintained a solvency ratio of around 200% over the past five years, ensuring robust customer protection [9][10] - The company has achieved an average total investment return rate of 5.56% from 2013 to the end of 2024, showcasing strong investment capabilities [10][11] - As of the end of 2024, Zhongyi Life's total assets reached 221.9 billion yuan, with annual premiums exceeding 36 billion yuan, reflecting significant growth and market recognition [11]