AIA(HK:01299) Qi Lu Wan Bao·2025-09-01 03:33Core Insights - AIA Life Insurance has launched a new medical insurance product called "Smart Choice Medical Insurance," which aims to provide customized healthcare solutions to meet the diverse and high-quality medical protection needs of families [1][2]. Product Features - The "Smart Choice" product features a flexible combination of "core protection + personalized configuration," allowing customers to tailor their medical insurance plans according to their needs [1][2]. - The core coverage includes general and critical illness hospitalization, proton and heavy ion medical treatments, outpatient expenses for CAR-T therapy, and special hospitalization allowances, with a cumulative payout limit of 5 million yuan and an annual deductible of only 5,000 yuan [2][3]. - Optional coverage includes high-quality medical resources and outpatient drug/device protection, with zero deductible for outpatient general drugs and specific drugs, covering over 300 special drugs and three types of special devices, each with a cumulative limit of 4 million yuan [3]. Market Context - The launch aligns with the increasing demand for multi-layered and diversified medical protection as living standards and healthcare levels improve [1]. - Government policies, such as the "National Ten Articles" and the "Healthy China 2030" plan, emphasize the importance of commercial health insurance in building a multi-tiered medical protection system, which opens new opportunities for insurance companies [1][4]. Customer-Centric Approach - AIA Life Insurance emphasizes a customer-driven approach in its business innovation, allowing customers to define their protection needs through a modular design [4]. - The product integrates comprehensive health services covering pre-diagnosis, diagnosis, and post-diagnosis support, enhancing the overall healthcare experience for customers [3].