年内水滴保上线近40款免健康告知保险产品

Group 1 - The core issue of "health debt" among working individuals aged 35 is highlighted, with major health concerns including hypertension, nodules, and cervical spondylosis, alongside a noticeable trend of critical illness claims becoming younger [1] - There is a growing awareness of the necessity of commercial health insurance, with 82.3% of working individuals recognizing it as an essential medical protection supplement [1] - Despite a strong willingness to purchase insurance, the actual purchase rate is only 30%, with over 40% of individuals suffering from immune diseases, lung nodules, and thyroid diseases unable to buy critical illness insurance [1] Group 2 - Waterdrop Insurance Brokerage's General Manager, Ran Wei, emphasizes the need for product innovation driven by technology to address the challenges faced by individuals with pre-existing conditions, as over 400 million people in China fall into this category [2] - The report indicates that 42.3% of "post-90s" working individuals expect the relaxation of pre-existing condition restrictions [2] - Complex insurance terms are a significant barrier to purchasing insurance, with 55.8% of working individuals abandoning the purchase due to unclear terms and difficult product selection [2] Group 3 - The future direction for insurance targeting individuals with pre-existing conditions is suggested to shift towards an "insurance + service" model, integrating health management, medical resources, and rehabilitation services to achieve both risk protection and health improvement [3]