连续四次涨价，重疾险才是最值得的投资

Core Viewpoint - The insurance industry is facing a significant shift in premium rates due to changes in predetermined interest rates and product definitions, leading to increased costs for consumers [3][5][7]. Group 1: Market Dynamics - The industry is preparing for new product launches as companies await the latest predetermined interest rate research, with a focus on ensuring seamless transitions between old and new products [3]. - Companies are considering different strategies for setting predetermined interest rates, weighing the competitive implications of adopting either a conservative or aggressive approach [3][4]. - The upcoming changes in predetermined interest rates are expected to lead to price increases for new products, regardless of the specific rate adjustments [3][6]. Group 2: Premium Increases - Historical context shows that premium rates have been rising, particularly after the switch in critical illness definitions in 2021, which has made it difficult to assess the true impact on premiums [7][8]. - The most recent adjustments in August 2023 saw a drop in predetermined interest rates from 3.5% to 3.0%, which had a manageable effect on premiums, but the market still reacted negatively to perceived price increases [8]. - The anticipated changes in September 2023, with potential further reductions in predetermined interest rates, could lead to significant premium hikes, especially for long-term policies like children's insurance, which have seen increases of 30% to 40% in the past [8][9]. Group 3: Consumer Considerations - Consumers are advised to consider purchasing critical illness insurance before reaching certain age thresholds, as premiums are expected to rise with age and declining health [6][9]. - The value of critical illness insurance should be viewed in the context of future health risks, emphasizing the importance of securing coverage while it is still affordable [9][10]. - The narrative around insurance pricing often overlooks the potential for future claims, highlighting the need for consumers to recognize the long-term benefits of investing in insurance [9][24].