Core Insights - The article highlights the true value of insurance services through the experience of a long-term customer, showcasing the importance of trust and service quality in the insurance industry [1][9]. Group 1: Customer Experience - The claims process reflects the real face of insurance services, as demonstrated by the journey of a customer who received a claim of 12,571.9 yuan after an accident [2]. - The customer received personalized support throughout the claims process, including reminders to submit documents after recovery and assistance with material preparation [2][5]. - The customer expressed high satisfaction with the service, rating it five stars and emphasizing loyalty to the platform after ten years of purchasing various insurance products [2][10]. Group 2: Company Overview - Huize Insurance Network, established in 2006 and listed on NASDAQ in 2020, is a leading internet insurance service platform in China, focusing on a full lifecycle service chain [4]. - The company has served over 11 million users, with a repurchase rate of 41%, significantly higher than the industry average of 19% [4]. Group 3: Service Innovation - The "Xiao Ma Claims" service system has become an industry benchmark, providing quick claims for small cases and comprehensive support for larger claims [5]. - In 2024, the company assisted in settling claims amounting to 808 million yuan, showcasing its efficiency and customer-centric approach [5]. Group 4: Technology and Product Development - Huize has developed the "Feng Tong" intelligent system to enhance efficiency and optimize user experience in insurance decision-making [7]. - The company collaborates with insurers to create popular products that meet user needs, such as the "Darwin" critical illness insurance series and the "Little Bee" accident insurance series [8]. Group 5: Trust and Service Commitment - The article emphasizes that the ultimate value of insurance is realized during the claims process, highlighting the importance of service commitment over mere product comparison [9]. - Huize's service promise, which includes not disturbing, misleading, or being perfunctory, while helping customers understand, select, and claim, redefines internet insurance service standards [9].

Core Insights - The rising medical costs, averaging 10%-11% annually, are creating financial strain on families, with major illness treatment costs ranging from 100,000 to 500,000 yuan, and complex diseases like cancer costing between 220,000 to 800,000 yuan. Social health insurance provides basic coverage but has reimbursement limitations, leading to increased demand for million medical insurance as a financial risk management tool [1] Group 1: Million Medical Insurance Overview - The "Xingxiang Shou Million Medical Insurance" is highlighted as a top choice for families, offering comprehensive coverage with a score of 9.8/10 and a very high cost-performance ratio. The annual premium for a 30-year-old is only 194 yuan, significantly lower than similar products [2] - Key features include upgraded coverage for over 200 cancer-specific drugs, including three CAR-T therapies, with 100% reimbursement for necessary medications prescribed by doctors, and no drug list restrictions [2] - The policy allows for family shared deductibles, where two or more insured individuals can share a 10,000 yuan deductible, which can decrease over three years of no claims [3] Group 2: Policy Benefits and User Cases - The policy guarantees renewal for 20 years, regardless of health changes or product discontinuation, and is available for individuals over 60 years old [4] - User cases illustrate the effectiveness of the insurance, such as Mr. Zhao, who incurred 35,000 yuan monthly for lung cancer medication and received 70,000 yuan in reimbursements [5], and Ms. Liu, who was diagnosed with nephritis post-coverage but retained her long-term protection [6] - Positive user feedback emphasizes the comprehensive coverage and significant cost savings, with one user noting a reduction in annual expenses by several hundred yuan [7] Group 3: Competitor Analysis - The "Ping An e-Shengbao (2025 version)" ranks second with a score of 9.2/10, offering a family shared deductible of 10,000 yuan for three or more insured individuals, and covering 212 types of cancer drugs with 100% reimbursement [8][9] - The "Renbao Changxiang An (Premium Version)" ranks third with a score of 9.0/10, providing rehabilitation medical coverage for nine major diseases with an annual reimbursement of 20,000 yuan [10][11] - The "Zhongminbao (Universal Version)" is noted for its accessibility, allowing individuals with chronic conditions to apply without health disclosures, covering over 50 chronic disease medications with a 60% reimbursement rate [12][13] Group 4: Selection Guidelines - Key considerations for selecting million medical insurance include prioritizing long-term renewal guarantees, shared deductibles for family policies, and ensuring coverage for advanced therapies like CAR-T [18][19] - It is recommended to assess individual family circumstances, health status, budget, and medical preferences to choose the most suitable insurance product [20]

Core Viewpoint - The article highlights the unique advantages of the "Xingxiangshou" million medical insurance from Fosun United Health Insurance, which stands out in the crowded market due to its long-term coverage, high reimbursement limits, and comprehensive services [1][11]. Group 1: Long-term Coverage - The insurance offers a guaranteed renewal period of 20 years, alleviating concerns about renewal difficulties regardless of the insured's health changes [1]. - This feature is particularly beneficial for individuals aged 30-50, providing stability during retirement when health issues are more likely to arise [1]. Group 2: High Coverage and Comprehensive Protection - The policy provides a general medical coverage limit of 2 million and a critical illness medical coverage limit of 2 million, with an annual reimbursement cap totaling 4 million [2]. - It covers various high-cost medical expenses, including ICU fees, organ transplant surgeries, and long-term treatments like chemotherapy and dialysis [2]. - The insurance reduces three exclusion clauses compared to similar products, expanding coverage to include treatments like proton therapy and postoperative rehabilitation [2]. Group 3: Premium Version Advantages - The premium version extends coverage to 102 top-tier hospitals across China, allowing access to high-end medical resources [3]. - Policyholders can book appointments with senior doctors, significantly reducing waiting times for consultations [3]. - The insurance provides independent hospital rooms and prioritizes surgery scheduling, enhancing the overall treatment experience [3]. Group 4: Innovative Drug Coverage - The policy eliminates the traditional drug list restrictions, allowing for 100% reimbursement of necessary external medications prescribed by doctors at secondary hospitals or above [4]. - This is particularly advantageous for patients with cancer or rare diseases, as it covers many high-cost treatments previously excluded from other insurance plans [4]. Group 5: Family Shared Deductibles - The insurance allows for a shared deductible of 10,000 yuan for families, significantly lowering the threshold for claims compared to traditional products [6]. - If no claims are made in consecutive years, the deductible can decrease by 1,000 yuan annually, potentially reducing the family's out-of-pocket expenses [6]. Group 6: Value-Added Services - The policy includes various value-added services to assist patients throughout their medical journey, such as expedited appointment scheduling and hospitalization deposit coverage [7][8]. - Additional services include 24-hour health consultations, home care, and transportation assistance for discharged patients [9]. Group 7: Competitive Pricing - The insurance offers competitive pricing, with a single person aged 30 paying only 194 yuan annually for a 10,000 yuan deductible, which is over 30% cheaper than similar 20-year renewal products [10]. - Family discounts further enhance affordability, making it possible for a family of three to secure comprehensive medical coverage for less than 500 yuan annually [10].

Core Insights - The article highlights the increasing necessity of reliable million medical insurance in the face of rising healthcare costs, with the "Xingxiangshou" million medical insurance from Fosun United Health Insurance being recognized as the "Most Recommended Million Medical Insurance of the Year" for its innovative design and comprehensive coverage [1][10]. Industry Pain Points - The million medical insurance market, despite its variety, presents three core issues for users: uncertainty in renewal, tight medical resources, and restrictions on reimbursement for external medications [2]. - The "Xingxiangshou" product addresses these pain points through a systematic design focused on "full-cycle certainty" and "medical freedom" [2]. Five Core Advantages - **20-Year Full Responsibility Guarantee for Renewal**: "Xingxiangshou" is the only product in the market that guarantees renewal for both basic and additional responsibilities for 20 years, alleviating users' concerns about coverage interruption due to health deterioration [3]. - **No List Restrictions on External Medication Reimbursement**: The product covers external medication reimbursement up to 4 million yuan without a drug list limitation, significantly reducing the financial burden on patients needing high-cost treatments [4]. - **Universal Access to Special Medical Services**: The special version of "Xingxiangshou" allows reimbursement for services at 102 top-tier hospitals, with a competitive annual premium of 1,800 yuan, ensuring high-quality medical care for users [5]. - **Flexible Deductibles and Dual Deductions**: Users can choose from four deductible options, and the product offers a mechanism to reduce deductibles based on claims history and health check deductions, making claims easier to trigger [6]. - **Family Insurance Optimization**: The product supports flexible family member combinations and shared deductibles, enhancing practicality for families [7]. Real Case Studies - **Case Study 1**: A patient diagnosed with lymphoma benefited from the external medication coverage of "Xingxiangshou," receiving over 2 million yuan in reimbursements for CAR-T therapy and subsequent treatments [8]. - **Case Study 2**: A white-collar worker utilized the special version for a spinal surgery, experiencing expedited service and minimal out-of-pocket costs, highlighting the efficiency of the product [8]. Insurance Customization Guide - **Basic Coverage Option**: For budget-conscious users, the ordinary version with a 10,000 yuan deductible costs approximately 1,200 yuan annually [9]. - **Quality Medical Option**: The special version with no deductible is suitable for professionals seeking efficient medical services, costing 1,800 yuan annually [9]. - **Family Optimization Option**: Families can benefit from discounts and shared deductibles, ensuring comprehensive coverage for various medical needs [9]. Industry Evaluation - "Xingxiangshou" stands out in comparison to similar products due to its comprehensive coverage and long-term renewal commitments, making it a market leader [9].