Group 1 - The core viewpoint of the article highlights the increasing aging population in China, with projections indicating that by 2030, individuals aged 65 and above will exceed 20% of the total population, leading to a significant rise in healthcare demand and expenditures [3][4]. - As of the end of 2024, the elderly population aged 60 and above is estimated to be 310.31 million, accounting for 22.0% of the total population, with an average life expectancy of 79.0 years [1]. - The demand for commercial health insurance is shifting from optional to essential, particularly for million-dollar medical insurance products, which are becoming critical for filling the gaps in basic medical insurance coverage [4][5]. Group 2 - The article discusses the evolution of commercial million-dollar medical insurance, which has transitioned from short-term products to long-term products with clearer renewal guarantees, following regulatory changes that require insurance companies to specify renewal terms [6][9]. - The differences between guaranteed renewal and non-guaranteed renewal products are outlined, emphasizing the implications for consumers regarding renewal commitments, impact of product discontinuation, and premium adjustment mechanisms [10][12]. - The article presents two key products: "Good Medical Insurance Long-term Medical (Flagship Version 2025)" and "Good Medical Insurance for the Elderly (2025 Version)", which cater to different demographics and address specific health risks, particularly for the aging population [15][18]. Group 3 - The "Good Medical Insurance Long-term Medical (Flagship Version 2025)" is designed for healthy adults aged 18-60, providing 20 years of general medical coverage and lifelong critical illness renewal, particularly for cardiovascular diseases and cancer [18][20]. - The "Good Medical Insurance for the Elderly (2025 Version)" targets individuals aged 50-70, offering friendly underwriting conditions and lifelong cancer renewal coverage, addressing the high incidence of cancer in older age groups [18][20]. - Both products emphasize guaranteed renewal, ensuring that even if the insured's health deteriorates, they cannot be denied coverage, thus mitigating risks associated with non-guaranteed renewal products [21][30].
老龄化+健康需求升级，保证续保破解续保焦虑，让长期医疗保障从“不确定”走向“确定”