短期重疾险集中上线，保费仅百元

Core Viewpoint - The article discusses the rise of short-term critical illness insurance products in response to declining sales of traditional long-term critical illness insurance, highlighting a shift in consumer demand towards affordable and flexible health coverage options [4][8]. Group 1: Short-term Critical Illness Insurance - Multiple insurance companies have launched new short-term critical illness insurance products, typically offering coverage for one year at a low premium, around 100 yuan [4][6]. - These products are characterized by low premiums and high leverage, making critical illness insurance more accessible to younger consumers and first-time buyers [5][6]. - The design of short-term critical illness insurance includes flexible payment options, broad age coverage (up to 70 years), and innovative payout structures, such as segmented compensation [6][14]. Group 2: Challenges Facing Traditional Critical Illness Insurance - Traditional critical illness insurance has faced significant challenges, with a market share decline from nearly 60% in the health insurance sector to a projected drop in 2024, where medical insurance will surpass critical illness insurance for the first time [9][10]. - The continuous decline in premium rates and the increasing complexity of traditional products have made them less attractive to consumers, particularly younger demographics [10][11]. - The average payout for critical illness insurance remains low, with per capita coverage insufficient to meet consumer needs, leading to a push for innovation in product offerings [11]. Group 3: Recommendations for Consumers - Experts suggest that while short-term critical illness insurance can serve as an entry-level product, long-term critical illness insurance should remain the foundation of health coverage [12][14]. - Consumers are advised to consider purchasing medical insurance first, followed by critical illness insurance, and potentially combining both short-term and long-term options for comprehensive coverage [12][15]. - The dual insurance model, where medical insurance covers treatment costs and critical illness insurance compensates for income loss, is recommended to mitigate the financial risks associated with severe health issues [15].