Core Viewpoint - The insurance industry is witnessing a shift with multiple companies launching high-end medical insurance products that do not require health disclosures, raising discussions about underwriting standards and market trends [1][3]. Group 1: Market Trends - Several insurance companies, including Taikang Online and Ping An Property & Casualty, are promoting "no health disclosure" high-end medical insurance as a key selling point, which can cover general pre-existing conditions [3]. - The trend was initiated by Zhong An Insurance with its launch of the Zhong Min Bao high-end medical insurance, prompting other insurers to follow suit [3]. - The market for high-end medical insurance is becoming increasingly competitive, with a significant focus on the "non-standard" population, which includes over 300 million chronic disease patients in China [3][4]. Group 2: Product Features and Risks - The new insurance products feature relaxed underwriting conditions and higher coverage limits, but their sustainability is under scrutiny due to potential risks [4]. - These products often include high deductibles and restrictions on pre-existing condition coverage to manage risk, leading to disparities in coverage and claims experience between healthy individuals and the "non-standard" population [4]. - Concerns about "adverse selection" are prominent, as individuals with poorer health are more likely to purchase these insurance products, potentially increasing overall risk and claims rates [3][4].

"健康告知"，这一横亘在大量非健康人群与商业健康保障之间的巨大鸿沟，正在被悄然填平。7月14日，北京商报记者注意到，近期包括平安产 险、泰康在线等在内，多家险企推出了无需健康告知的中高端医疗险产品。 健康告知是风险筛选的第一道也是最重要的闸门。不用看复杂的健康告知就能投保，到底是真的降低了投保门槛，还是营销噱头？又将如何影响 医疗险市场走向？ 以泰康在线的泰享无忧·中高端医疗险为例，据介绍，该产品的主要卖点包括免健康告知、无职业限制、一般既往症可保可赔等。平安产险推出的 北极星（免健告）中高端医疗险同样投保无需健康告知，能赔一般既往症。 在保险领域，健康告知，是指保险公司在投保前了解投保人的健康情况，保险公司评估风险的重要环节，一般告知内容包括疾病史、身体现状、 家庭病史、职业等。通常采取询问和有限告知的方式。如实告知也是投保人的法定义务，在投保时没有做到如实告知，容易给将来的理赔埋下隐 患。 此前，健康告知几乎是所有商业健康险，尤其是中高端医疗险不可逾越的环节。保险公司据此评估风险，决定是否承保、是否加费或设置责任免 除条款。对于身体存在异常指标或既往病史的"非标体"人群，这一过程往往意味着保障机会的丧失或 ...