Core Insights - The article highlights the increasing health burden among modern professionals, with a significant percentage facing difficulties in obtaining critical illness insurance due to pre-existing health conditions [1][2][3] Group 1: Health Status of Professionals - A recent report indicates that over 70% of professionals have multiple health issues, with common conditions including fatigue, poor sleep, and chronic diseases [2] - The report reveals that 37% of professionals face rejection when applying for critical illness insurance, with rejection rates exceeding 40% for those with lung nodules and thyroid diseases [1][3] Group 2: Economic and Health Anxiety - Professionals aged 31-40 are under significant financial pressure, with 83% managing multiple financial burdens, including housing and education costs [2] - Even with a monthly income of 20,000 yuan, many professionals can only sustain their living expenses for a limited time in the event of a family member's serious illness [2] Group 3: Insurance Awareness and Challenges - There is a growing recognition of the necessity for commercial health insurance, with 82.3% of professionals acknowledging its importance [3] - Despite a strong desire to purchase insurance, only 30% of professionals actually do so, primarily due to barriers such as pre-existing conditions and complex insurance terms [3][5] Group 4: Innovations in Insurance Products - Waterdrop Insurance has focused on developing insurance products tailored for individuals with pre-existing conditions, launching 214 products by 2025, including 34 that are industry firsts [4] - The company utilizes AI and big data to enhance product design and risk management, aiming to meet the needs of over 400 million individuals with health issues [4][5] Group 5: Future Directions in Insurance - The future of insurance for individuals with pre-existing conditions may involve a shift towards an "insurance + service" model, integrating health management and rehabilitation services [6]