免健告开启“非标体”窗口 中高端医疗险加速进军

Core Viewpoint - The insurance industry is witnessing a shift with multiple companies launching high-end medical insurance products that do not require health disclosures, raising discussions about underwriting standards and market trends [1][3]. Group 1: Market Trends - Several insurance companies, including Taikang Online and Ping An Property & Casualty, are promoting "no health disclosure" high-end medical insurance as a key selling point, which can cover general pre-existing conditions [3]. - The trend was initiated by Zhong An Insurance with its launch of the Zhong Min Bao high-end medical insurance, prompting other insurers to follow suit [3]. - The market for high-end medical insurance is becoming increasingly competitive, with a significant focus on the "non-standard" population, which includes over 300 million chronic disease patients in China [3][4]. Group 2: Product Features and Risks - The new insurance products feature relaxed underwriting conditions and higher coverage limits, but their sustainability is under scrutiny due to potential risks [4]. - These products often include high deductibles and restrictions on pre-existing condition coverage to manage risk, leading to disparities in coverage and claims experience between healthy individuals and the "non-standard" population [4]. - Concerns about "adverse selection" are prominent, as individuals with poorer health are more likely to purchase these insurance products, potentially increasing overall risk and claims rates [3][4].