中意人寿重疾险深度解析：如何以“用户为中心”守护家庭健康？

Core Insights - The demand for critical illness insurance (CI) is becoming increasingly diversified and refined as basic medical expense coverage has been largely met by the widespread adoption of million medical insurance and public welfare insurance [1] - China Life Insurance Company (hereinafter referred to as "China Life") focuses on user needs, offering differentiated product features, strong health management services, efficient claims processing, and sustainable operational capabilities to provide new options for critical illness protection [1] Group 1: Product Design and Innovation - China Life's "Yuexiang" series of critical illness insurance products exemplifies its user-centered design philosophy, expanding the number of covered critical illnesses from 108 to 128 in the "Yuexiang Yisheng (Champion Version)" [2][3] - The "Yuexiang Yisheng (Champion Version)" allows multiple claims without grouping diseases, enhancing the likelihood of multiple payouts, and maintains coverage for mild and moderate illnesses even after a critical illness claim [3][4] Group 2: Service and Claims Support - China Life provides a "Yiguanjia" health management service for critical illness insurance clients, offering comprehensive support from diagnosis to recovery, which includes shared family health consultations [5][6] - The company has optimized its claims process by simplifying required documentation and enhancing review efficiency, resulting in 2.55 billion yuan in claims paid in the first half of 2025, with 368 cases processed under the "Critical Illness One-Day Claim" program [7][8] Group 3: Financial Strength and Stability - China Life maintains a solvency ratio of around 200% over the past five years, ensuring it can meet its payout commitments even in volatile market conditions [9] - The company has consistently achieved a risk composite rating of AAA/AA, reflecting its strong risk management and operational stability [9][10] Group 4: Shareholder Strength - China Life benefits from a robust shareholder structure, with domestic and international partners providing extensive industry resources and operational expertise [10][11] - The collaboration with China National Petroleum Corporation and Italy's Generali Group enhances China Life's product offerings and competitive edge in the critical illness insurance market [11]