Core Viewpoint - The article highlights the increasing concern for the safety and well-being of elderly parents living alone, particularly among younger generations who are geographically distant from them. The introduction of "Dad's Health Insurance: Fracture Insurance" by Zhong An Insurance addresses this issue by providing comprehensive protection and care solutions for elderly individuals living alone [1][2]. Group 1: Market Context - The aging population in China is growing, with over 190 million individuals aged 65 and above, and the proportion of elderly living alone is on the rise [2]. - The annual fall incidence rate among the elderly is reported at 18.3%, leading to approximately 4 million new fracture cases each year [2]. Group 2: Product Features - "Dad's Health Insurance: Fracture Insurance" combines personal and property protection, shifting the focus from mere financial compensation to comprehensive support throughout the entire process of accident, treatment, rehabilitation, and prevention [2]. - The insurance offers a one-time payout of up to 20,000 yuan for hospitalization due to accidental fractures, along with a daily hospitalization allowance of 80 yuan for up to 180 days [2]. - The product includes coverage for various property risks such as water pipe bursts, electrical fires, and telecom fraud, addressing common risks faced by elderly individuals living alone [2]. Group 3: Service and Support - The insurance process is designed to accommodate the needs of children living far from their parents, allowing remote management of policies and claims [3]. - The product emphasizes a complete cycle of risk prevention, monitoring, and response, including health check-up packages and smart devices to reduce fall risks [4]. - Additional services include 24-hour health consultation and the provision of mobility assistance devices, enhancing the safety and well-being of elderly individuals [4]. Group 4: Customer Experience - Feedback from customers indicates that the insurance provides peace of mind, with proactive services such as health check reminders and the delivery of safety devices to elderly parents [4].

Core Viewpoint - ZhongAn Online P&C Insurance Co., Ltd. has launched a new product called "Parents' Health Insurance - Fracture Insurance," focusing on the safety and care of elderly individuals living alone, shifting the emphasis from financial compensation to comprehensive protection [1] Group 1: Product Features - The insurance covers four key areas: accident, treatment, rehabilitation, and prevention, providing a full-process guarantee for elderly individuals [1] - In terms of personal protection, if an elderly person is hospitalized due to an accidental fracture, they can receive a one-time compensation limit of 20,000 yuan and a daily hospitalization allowance of 80 yuan for up to 180 days [1] - The "Hundred Days Guardian" plan can be activated during the rehabilitation phase, offering up to 100 days of caregiver services regardless of whether a disability rating is achieved [1] Group 2: Financial Protection - The product also covers common risks associated with living alone, including damage to the main structure of the house, interior decoration, burst pipes, damage to household appliances, indoor theft, and telecom fraud [1] - ZhongAn Insurance emphasizes the transition from financial compensation to risk prevention and from economic compensation to a service closure, providing not only protection for the elderly but also peace of mind for families living apart [1]