真分红的重疾险来了，回报率或到3%

Core Insights - The article discusses the resurgence of dividend-type critical illness insurance in China, driven by regulatory changes and market demand, which aims to provide better returns and address inflation concerns [3][4][5] Group 1: Dividend-Type Critical Illness Insurance - The National Financial Regulatory Administration has reopened the market for dividend-type critical illness insurance after a 22-year hiatus, allowing compliant insurance companies to offer these products [4][6] - The return rate for dividend-type critical illness insurance is expected to increase from the current 2% to between 2.5% and 3%, enhancing customer appeal and addressing inflation [4][9] - The traditional critical illness insurance has faced declining sales due to fixed coverage levels being eroded by inflation, with new policy premiums showing negative growth since 2019 [4][12] Group 2: Lightweight Critical Illness Insurance - Lightweight critical illness insurance is gaining popularity, offering low-cost, short-term coverage that pays out upon diagnosis, catering to young graduates and budget-conscious families [3][10] - This product type addresses the "need for insurance but cannot afford it" dilemma faced by low-income individuals, providing an entry-level option for critical illness coverage [10][11] - The combination of lightweight and dividend-type insurance products can create a tiered product line, meeting diverse customer needs throughout different life stages [11][13] Group 3: Market Potential and Future Development - There is a significant untapped demand for critical illness insurance, with an estimated 400 million new policies expected to be sold from 2021 to 2024, following a period of market stagnation [12][13] - The future development of the critical illness insurance industry should focus on a "multi-layered and combinable" product strategy to cater to varying customer preferences and life stages [13] - Regulatory measures will likely become stricter, emphasizing transparency in dividend commitments and product complexity, alongside technological advancements in pricing and service delivery [13]