On January 25, 2022, Qianhai Life Insurance Co., Ltd. (hereinafter referred to as "Qianhai Life") launched a new product, Qianhai Aijiabao Malignant Tumor Disease Insurance. As a professional anti-cancer, high-incidence, exclusive matching malignant tumor insurance product, Qianhai Aijiabao Malignant Tumor Disease Insurance (hereinafter referred to as "Aijiabao") provides customers with additional care and more comprehensive long-term protection during the special period of their lives.
The three highlights build a professional anti-cancer guarantee
Qianhai Life accurately reaches the market demand, the launch of the "Love Family Insurance" with light and heavy cancer can be compensated, mild cancer premium waiver, 70 years old before the age of 70 specific cancer additional compensation, death can be compensated and flexible choice during the protection period and payment period and other characteristics, highly match the consumer cancer prevention needs, help different consumers in advance to do a good job of cancer protection planning, is the current market more competitive professional malignant tumor insurance products.
Professional cancer prevention: comprehensive coverage, light and heavy cancer can be compensated. The insured of "Aijiabao" can receive a compensation of 20% of the basic sum insured after the hospital is diagnosed with the first occurrence of "carcinoma in situ" or "malignant tumor - mild", and is exempted from the insurance premium on the agreed payment date of the first insurance premium after the date of diagnosis of the disease and the subsequent insurance premiums. This liability is terminated, other liabilities continue to be valid, and the rights and interests are the same as the contract for normal payment of fees [1].
Focus on high incidence: high incidence of cancer, special period of additional compensation. "Aijiabao" insured person diagnosed with a specific "malignant tumor - severe" before the age of 70 can receive an additional 20% of the basic sum insured. Among them, the specific "malignant tumors - severe" cover a variety of high morbidity and high mortality diseases, including lung cancer, pancreatic cancer, brain cancer, leukemia, etc., to ensure accurate and targeted [2].
Exclusive matching: death is compensable, and the protection period is optional. The insurance age of "Aijiabao" is 0-70 years old (when insured to 70 years old, the insurance age is 0-45 years old), and the protection period and payment period can be selected as needed, flexibly matching consumer protection needs and budgets. Consumers can choose to be insured for life or until they are 70 years old, and the insured person will receive at least the premium paid if the insured dies during the insurance period [3].
Deeply cultivate insurance protection and continuously optimize the product system
Qianhai Life's latest 2021 claims annual report shows that malignant tumors have become the highest incidence of major diseases, with 60.1% of malignant tumors claimed for serious illnesses in men and 83.2% of malignant tumors claimed for women with serious illnesses. In death cases, malignant tumors also accounted for the highest proportion of disease deaths, as high as 43.7%.
According to the "National Health Education Reader for The Prevention of Major Diseases" issued by the China Association of Actuaries, the incidence of malignant tumors has increased significantly at the age of 40 and later. The age of malignant tumors is showing a trend of rejuvenation, and covering the golden period of life struggle, it is particularly important to plan for cancer prevention and protection in advance and prepare for the unknown.
In response to the trend of high incidence of malignant tumors, there is a growing demand for people to plan cancer protection in advance for families. "At present, there are relatively few anti-cancer products on the market, some anti-cancer insurance is short-term products and only for customers of some age groups, product design has been unable to fully meet the needs of consumer cancer protection, and the demand for product iteration innovation is prominent." There are industry insiders who analyze.
Qianhai Life accurately grasps the core protection needs of consumers and continuously optimizes product supply. As early as 2014, the "Qianhai Xiaoxin Insurance Cancer Prevention Disease Insurance" developed and designed by Qianhai Life effectively solved the cancer protection problem of the middle-aged and elderly population, met the market demand for middle-aged and elderly disease protection at that time, and was widely concerned and loved by consumers after its launch. In order to provide more people with diversified protection options, Qianhai Life will launch "Love Family Insurance" in 2022, which is expected to become a "star product" in the anti-cancer insurance market with three professional anti-cancer protection highlights.
Since its inception, Qianhai Life has insisted on promoting the development of protection business and long-term business, focusing on improving risk protection capabilities, continuously optimizing the supply of insurance products, and has formed a product system covering life insurance, annuity insurance, health insurance, accident insurance, etc., to meet the all-round needs of customers such as health care, children's education, pension planning, wealth appreciation, etc., to serve the construction of a healthy China and protect a better life.
Warm reminder: The content of the article is for reference only, does not constitute an integral part of the insurance contract, insurance liability, liability exemption, waiting period, claim requirements and other content, please refer to the actual contract terms prevail.
[1] The insured suffers from "carcinoma in situ" or "malignant tumor - mild", which has met the "malignant tumor - severe" payment conditions agreed in the main insurance contract, and only bears the responsibility of "malignant tumor - severe" payment.
[2] The insured person who is diagnosed with the first occurrence of a specific "malignant tumor - severe" for a male or female person after the policy anniversary date of the age of 18 and before the policy anniversary date of the age of 70 (exclusive) or the "malignant tumor - severe" of the child who is diagnosed for the first time before the policy anniversary of the age of 18 (exclusive) can receive an additional 20% of the basic sum insured. Among them, male-specific "malignant tumors - severe" include lung cancer, liver cancer, prostate cancer, colon/rectal cancer and pancreatic cancer 5 kinds, female specific "malignant tumors - severe" include lung cancer, breast cancer, cervical cancer, ovarian cancer and pancreatic cancer 5 kinds, and brain cancer, leukemia 2 kinds of children's specific "malignant tumors - severe".
[3] Insurance to the age of 70 refers to the policy anniversary of the insurance until the age of 70, and the "Malignant Tumor - Severe" insurance premium and the death insurance benefit are only paid for one of them. (CIS)
