首个服务给付型商业护理保险上市，三方聚力破局健康险新时代

Core Viewpoint - The collaboration between Xinhua Insurance, Zhongcai Life Insurance, and Ailian Health has led to the launch of "Kanghu Wuyou," the first service payment-based commercial nursing insurance in China, marking a shift from economic compensation to service guarantee in health insurance [1][10]. Group 1: Product Overview - "Kanghu Wuyou" focuses on long-term care risks, filling coverage gaps and contributing to a multi-tiered social security system [3][10]. - The product offers a one-year coverage period with a five-year guaranteed renewal, covering ages from 30 days to 75 years, with a maximum renewal age of 100 years [3][5]. - It includes benefits for surgical hospitalization and long-term care, with payment options for both nursing services and cash [3][8]. Group 2: Advantages of the Product - The product is designed to be senior-friendly, with no medical examination required, significantly lowering the insurance application threshold for older adults [4]. - It addresses core nursing needs arising from surgery, 25 specific diseases, and 1-3 grade accidental injuries [6]. - Customers can choose between cash payment or professional nursing services, with flexible long-term care payment periods of up to 24 months [8]. Group 3: Pricing and Family Benefits - The premium for a 50-year-old male with a maximum long-term care benefit period of 12 months is only 401 yuan [9]. - Families with two or more members can enjoy a 5% discount when purchasing a family policy [10]. Group 4: Strategic Alignment and Innovation - The launch of "Kanghu Wuyou" aligns with the recent regulatory guidance encouraging the integration of health insurance and health management services [10]. - Ailian Health plays a crucial role in service support, leveraging big data to standardize pricing and enhance service efficiency [11][12]. - The product aims to integrate various health resources and improve service delivery, becoming a vital tool for a multi-tiered medical security system as the population ages [13].