PING AN OF CHINA(SH:601318) 13个精算师·2025-12-29 09:03Core Viewpoint - The article discusses the launch of Ping An's "Years of Peace" specific disease insurance, which aims to provide comprehensive health protection throughout the life cycle, addressing diverse consumer needs in the evolving health insurance market [1]. Group 1: Product Features - The "Years of Peace" specific disease insurance offers optional general medical insurance benefits, allowing policyholders to receive medical funds annually, which can be enjoyed for many years depending on the payment method, and is valid for life [2]. - The insurance has a low entry threshold with only two health disclosures required, making it accessible to a wide range of individuals aged from 28 days to 70 years [6][7]. - The policy is designed to meet the varying protection needs at different life stages, providing educational funds for children, health protection for young adults, and enhanced security for the elderly [7]. Group 2: Coverage and Benefits - The insurance covers ten specific diseases, including six neurological disorders and four common critical illnesses, with a significant focus on diseases prevalent among the elderly, such as severe strokes and Alzheimer's disease [8]. - For individuals aged 80 and above, the insurance offers a higher level of coverage for the specified diseases, enhancing the protection significantly [8]. Group 3: Flexibility and Usability - The general medical insurance benefit is highly flexible, with no restrictions on diseases, hospitals, or treatment methods, and can be used both online and offline with valid receipts for reimbursement [11]. - The coverage includes a wide range of scenarios such as home care, child health, traditional Chinese medicine, maternity protection, and health check-ups, making it applicable in various contexts [14]. Group 4: Service Quality - The integration of health services with insurance products is emphasized, with the "Years of Peace" insurance providing 14 exclusive value-added services worth over 18,000, covering multiple healthcare scenarios [15]. - The "Ping An Happy Health" service brand has been upgraded to enhance the health insurance service system, focusing on health promotion, quality medical services, digital healing, and long-term protection [18]. Group 5: Company Strengths - Ping An Health Insurance has a strong brand presence, recognized for its service capabilities and financial stability, with a brand value of $33.6 billion, ranking first in the global insurance brand value list for nine consecutive years [21]. - The company has provided insurance protection to over 77 million customers, with total claims exceeding 50 billion, and maintains a high customer satisfaction rate of 99.4% [22]. - The company has shown consistent profit growth, achieving a net profit of nearly 2 billion in 2024 and 17.84 billion in the first three quarters of 2025, indicating a robust financial performance [24][26].