阳光财险联合蚂蚁保推出一年期百万重疾险产品

Core Viewpoint - Sunshine Insurance has launched a new short-term critical illness insurance product, "Health Fortune · Million Critical Illness (1-Year Coverage)", in collaboration with Ant Financial, aimed at providing affordable high coverage for critical illness insurance, thereby enhancing accessibility and inclusivity for the public [1]. Product Features - The product offers flexible coverage options for individuals up to 70 years old, with three plans available: 200,000, 600,000, and 1,000,000 yuan, covering 125 major critical illnesses, 25 moderate illnesses, and 50 minor illnesses [1]. - The insurance premium for a 30-year-old male opting for the 1,000,000 yuan plan is approximately 60 yuan per month for the first year, making it a cost-effective option compared to existing products in the market [1]. Claims Process - The product features a segmented payout structure, allowing for a 100% payout of the critical illness insurance amount upon the first diagnosis, followed by monthly payments of 10% of the basic coverage for up to 10 months if the insured undergoes specific treatments [2]. - This segmented claim approach alleviates the financial burden on patients facing major illnesses and helps reduce the risk of poverty due to medical expenses [2]. Additional Offerings - Besides "Health Fortune · Million Critical Illness (1-Year Coverage)", Sunshine Insurance has launched other products on the Ant Financial platform, including "Good Medical · Hospitalization Insurance" and "Good Medical · Outpatient Insurance" [3]. - Sunshine Insurance is the first insurer to integrate with Ant Financial's "Anxin Claims" project, enhancing the claims process through a fully online system that addresses common user pain points such as slow claims and difficult processes [3].