图：图虫 近日，21世纪经济报道记者关注到， 多家保司集中上线短期重疾险新产品， 例如众安保险联 合蚂蚁保推出"健康福·百万重疾（保1年）"，元保联合泰康在线推出"元保·百万重疾险"，阳光 财险联合蚂蚁保平台推出"健康福·百万重疾（保1年）"等。与传统重疾险保障期限在数十年至 终身的设计不同，此类创新重疾险保障期限通常仅为1年，且保费控制在百元价位。 记者丨 孙诗卉 编辑丨曾芳 "百元撬动百万保额" ，这样的宣传语正在互联网保险平台频繁出现。一边是传统重疾险销量 持续下滑，一边则是创新重疾险产品的强势来袭。 近年来，消费者对灵活、可负担、高性价比的健康保障需求增强，尤其是年轻人群和首次 购买保险的客户。在此背景下，以低门槛、高杠杆为特征的产品成为创新方向，灵活、门 槛低、保障清晰的健康保障方案，可使更多人能够在有限预算下获得有效风险保护。 不过，短期产品受到追捧的同时，多位专家也提示，居民需关注长期险与短期险、医疗险与重 疾险互为补充，以形成全面保障。 北京大学应用经济学博士后朱俊生教授对21世纪经济报道记者表示。短期重疾险之所以出现， 一方面是为了顺应监管对健康险业务风险管理、偿付能力和精算合规的要求；另一 ...

南方财经全媒体记者 孙诗卉 "百元撬动百万保额"，这样的宣传语正在互联网保险平台频繁出现。一边是传统重疾险销量持续下滑， 一边则是创新重疾险产品的强势来袭。 近日，21世纪经济报道记者关注到，多家保司集中上线短期重疾险新产品，例如众安保险联合蚂蚁保推 出"健康福·百万重疾（保1年）"，元保联合泰康在线推出"元保·百万重疾险"，阳光财险联合蚂蚁保平台 推出"健康福·百万重疾（保1年）"等。与传统重疾险保障期限在数十年至终身的设计不同，此类创新重 疾险保障期限通常仅为1年，且保费控制在百元价位。 北京大学应用经济学博士后朱俊生教授对21世纪经济报道记者表示。短期重疾险之所以出现，一方面是 为了顺应监管对健康险业务风险管理、偿付能力和精算合规的要求；另一方面也源于市场需求变化。 近年来，消费者对灵活、可负担、高性价比的健康保障需求增强，尤其是年轻人群和首次购买保险的客 户。在此背景下，以低门槛、高杠杆为特征的产品成为创新方向，灵活、门槛低、保障清晰的健康保障 方案，可使更多人能够在有限预算下获得有效风险保护。 不过，短期产品受到追捧的同时，多位专家也提示，居民需关注长期险与短期险、医疗险与重疾险互为 补充，以形成全 ...

Core Viewpoint - The critical point of the articles is that critical illness insurance, once a leading product in the health insurance market, is now facing marginalization due to the rise of affordable alternatives like "Hui Min Bao" and million-dollar medical insurance, prompting the introduction of short-term critical illness insurance products with high leverage and low premiums [1][2]. Group 1: Market Dynamics - The emergence of short-term critical illness insurance products, such as those offering coverage of one million yuan for a premium of around 100 yuan, represents a significant shift in the market, aiming to attract consumers with lower costs and higher coverage [2][3]. - The transition to new definitions of critical illness insurance in 2021 led to a sharp decline in sales, indicating a challenging environment for traditional long-term products [1][2]. Group 2: Product Comparison - Long-term critical illness insurance typically offers coverage for 20 to 30 years or even a lifetime, while short-term products are generally annual, leading to differences in pricing, coverage responsibilities, and target demographics [4][5]. - Short-term critical illness insurance can alleviate the cost issue associated with traditional products, making insurance more accessible to a broader audience, particularly younger individuals or those with specific health concerns [3][4]. Group 3: Future Outlook - Industry experts believe that while short-term critical illness insurance has price advantages, it is unlikely to replace traditional long-term products due to limitations in coverage and the uncertainty of renewals as individuals age [6][7]. - Long-term critical illness insurance remains essential for families seeking comprehensive health coverage, especially in the context of an aging population and rising healthcare costs [6][7].

Core Viewpoint - The critical shift in the critical illness insurance market is highlighted by the emergence of short-term high-leverage products, which are challenging the traditional long-term critical illness insurance due to their lower premiums and broader coverage [1][3]. Group 1: Market Dynamics - The critical illness insurance market has experienced a significant downturn since the introduction of new definitions in 2021, leading to a sharp decline in sales and a loss of market dominance [3][4]. - New products, such as short-term critical illness insurance with high coverage for low premiums, are being launched by various internet insurance platforms in collaboration with insurance companies [4][5]. - The rise of affordable products like "惠民保" and "百万医疗险" has intensified competition, pushing traditional critical illness insurance to the margins [1][3]. Group 2: Product Characteristics - Short-term critical illness insurance typically offers high coverage at low premiums, with examples showing a monthly premium of only 79 yuan for a 1 million yuan coverage plan [4][5]. - These products are designed to alleviate the high cost of traditional critical illness insurance, making coverage accessible to a broader audience [4][6]. - The main distinction between short-term and long-term critical illness insurance lies in their duration, pricing, coverage responsibilities, and target demographics [5][6]. Group 3: Consumer Considerations - Long-term critical illness insurance is more suitable for individuals with stable financial situations and higher health risk needs, while short-term options cater to younger individuals or those with specific coverage needs [6][7]. - The uncertainty of renewability and increasing premiums with age are significant drawbacks of short-term critical illness insurance, making it less appealing for long-term risk management [6][7]. - Industry experts believe that while short-term products may serve as entry-level coverage, long-term critical illness insurance remains essential for comprehensive health risk management [7][8].