平安健康险重磅上线“岁月长安”特疾险 守护客户健康美好生活

Core Insights - Ping An Health Insurance has launched a new critical illness insurance product named "Suiyue Chang'an," which integrates disease risk protection and health management services to provide comprehensive health coverage throughout the customer lifecycle [1][2] Product Innovation - The "Suiyue Chang'an" product combines critical illness insurance with health management, responding to the increasing demand for diverse health protection among consumers [2] - The product covers 10 common critical illnesses, including severe stroke sequelae, severe Alzheimer's disease, and severe Parkinson's disease, addressing real customer health needs [2] - It features flexible medical coverage options, including zero deductible and 100% reimbursement for outpatient and inpatient services, allowing customers to access both offline and online medical services [2] Financial Management - The product offers various payment options, including single payment and payment terms of 3, 5, or 10 years, enabling families to manage their financial value effectively [3] - For a 30-year-old male with social insurance, choosing a total premium of 1 million yuan and a 3-year payment plan, the policy's net value can exceed the paid premium by the 8th year and reach over 4 million yuan by the 24th year [3] Target Audience - The product design caters to three core family demographics: children, young and middle-aged adults, and the elderly, addressing their specific health protection needs [4] - For children, the medical coverage includes expenses for vaccinations and vision correction, while for the elderly, it focuses on chronic disease management and providing a sense of security in later life [4] - The "Suiyue Chang'an" product aligns with the upgraded "Ping An Le Health" brand, emphasizing family health asset management and encouraging collective health management within families [4] Industry Positioning - As one of the first specialized health insurance companies in China, Ping An Health Insurance integrates insurance, medical, and health services, offering customers a comprehensive healthcare experience [4] - The innovative product model serves as a benchmark for industry product innovation, combining flexible medical reimbursement, health management, and a full-service system to meet diverse and personalized customer needs [4]