Core Viewpoint - The Chinese critical illness insurance market is transitioning into a "service-oriented era," driven by diverse health protection needs and the introduction of the "New Health Guardian for Life" (Smart Choice) critical illness insurance by Tongfang Global Life, which integrates medical resources and health management services [1][3][4]. Group 1: Product Features - The "New Health Guardian for Life" insurance covers 120 critical illnesses and offers tailored coverage for specific demographics, including 10 specific diseases for children, men, and women, effectively addressing the economic risks associated with critical illnesses [2][4]. - The product emphasizes the integration of high-quality medical resources and health care services, marking a strategic upgrade from mere coverage to the construction of a health service ecosystem [2][3]. Group 2: Market Trends - There is a growing consumer focus on the quality of medical services, health management, and risk prevention in high-end commercial insurance, indicating a shift from product-oriented to customer-oriented approaches in critical illness insurance [4][6]. - The demand for integrated health services is experiencing explosive growth, suggesting that critical illness insurance is evolving to meet these new consumer expectations [3][4]. Group 3: Service Ecosystem - The health service ecosystem of the "New Health Guardian for Life" includes comprehensive services such as pre-diagnosis, in-diagnosis, and post-diagnosis support, aiming to make essential medical resources and services easily accessible [4][5]. - The "Overseas Multidisciplinary Consultation" service allows clients to connect with international experts for medical advice, enhancing the overall service offering [5][6]. Group 4: Strategic Positioning - The launch of the "New Health Guardian for Life" reflects Tongfang Global Life's commitment to the critical illness insurance market and highlights the new logic of insurance development, where service ecosystem construction becomes a core differentiator [6]. - The dual approach of "protection + service" aims to reshape the commercial value of critical illness insurance, providing market-based solutions to challenges such as population aging and medical inflation [6].