“尊享e生2026版”全新升级：“治疗+康复”全程守护，打破百万医疗险同质化

Core Insights - The article discusses the launch of "Zunxiang eSheng · Million Medical Insurance 2026 Edition," which aims to address the limitations of existing medical insurance products by incorporating comprehensive coverage for both treatment and rehabilitation, thus transforming the product into a "full-process health service" [1][9]. Coverage Upgrade - The new insurance product includes rehabilitation coverage for up to 180 days post-hospitalization, specifically targeting 16 types of diseases, including neurological and musculoskeletal conditions [2][10]. - Current market offerings show a significant gap in rehabilitation coverage, with most existing medical insurance only covering surgical and hospitalization costs, leaving patients to bear substantial out-of-pocket expenses during recovery [2][11]. - Research indicates that timely rehabilitation can significantly improve recovery outcomes, with studies showing that 90% of stroke patients can regain walking ability with appropriate rehabilitation [2][11]. Service Enhancement - "Zunxiang eSheng 2026 Edition" integrates 19 health management services that cover the entire medical process, including pre-diagnosis consultations, in-hospital assistance, and post-treatment support [5][12]. - The product allows for direct payment of rehabilitation medical expenses at designated hospitals, enhancing accessibility and convenience for patients [3][11]. - The insurance also expands its coverage for outpatient medications, including over 380 common original drugs, and offers online prescription and home delivery services [5][12]. Market Positioning - Since its launch in 2015, the "Zunxiang eSheng" product has undergone 25 iterations and has served over 10 million families, maintaining a renewal rate above the industry average [6][14]. - The company has developed a product matrix that caters to diverse consumer needs, allowing for flexible configurations based on income, age, and family size [6][14]. - The family insurance policy has been optimized to save up to 20% on premiums and supports shared deductibles, aligning with consumer preferences for family-based health coverage [8][16]. Future Outlook - The upgrade of "Zunxiang eSheng 2026 Edition" reflects the company's commitment to addressing patient needs and enhancing the quality of rehabilitation and health outcomes in its product design [8][16].