Zhongan Insurance (06060) launches the "Zhong Min Bao High-end Medical Insurance" to fill the gap in insurance coverage for people with pre-existing conditions.

Recently, Zhongan Insurance (06060) has launched a new "Zhongminbao high-end medical insurance," which has received wide attention and customer acclaim in the industry due to its advantages such as "no health declaration, 0 deductible, coverage for general pre-existing conditions, including responsibility for public special needs and private hospitals." This medical insurance, with multiple responsibilities advantages, also stands out in terms of price. For example, for a 35-year-old with social security, the annual premium is only 806 yuan. According to industry insiders, on the first day of the launch of Zhongminbao high-end medical insurance, the premium exceeded 5 million yuan. Zhongminbao has removed the barrier of health factors for customers to purchase medical insurance, making it a new breakthrough in domestic medical insurance. Policy changes require traditional commercial medical insurance to transform urgently The DRG/DIP reform of medical insurance payments has a profound impact on users' medical treatment methods and expenses. In contrast, changes in medical insurance policies also force commercial medical insurance that supplements medical insurance to change. Currently, consumers face three main difficulties when selecting commercial medical insurance: First, insurance requirements are generally strict. Traditional medical insurance rigorously evaluates the health conditions and occupational categories of the insured, excluding sub-healthy populations and high-risk professionals. Second, the coverage is narrow, with many products mainly covering the general wards of public hospitals. The claims do not include special needs departments, international departments, and expenses at private hospitals, and they also cover fewer self-paid drugs and high-end treatment equipment. Third, the product positioning does not match the demand. For people with existing illnesses or chronic diseases, the deductible and self-payment ratio of products available for insurance make patients still need to bear a large amount of expenses out of pocket. High-end medical insurance that can cover all these costs tends to be expensive, making it unaffordable for ordinary working-class families. Precisely meet the demand: Five core selling points to overcome the pain points Zhongminbao high-end medical insurance takes "universal inclusion + comprehensive protection" as its core concept and launches differentiated solutions to reshape the medical insurance ecosystem. Zhongminbao high-end medical insurance continues the product positioning of the "Zhongminbao" series, which can be purchased by everyone, without health declaration requirements or restrictions on occupation categories. It covers the general population with zero threshold, breaking the strict limitations of traditional medical insurance on health conditions and occupational categories. Sub-healthy populations, chronic disease patients, and high-risk professionals meeting the conditions can all be insured without submitting medical examination reports or health declarations, and enjoy protection upon purchase. For people with pre-existing conditions, unlike most insurance currently available in the market, Zhongminbao high-end medical insurance covers general pre-existing conditions within the responsibility range. It covers a broader range of medical scenarios and only excludes five major categories of serious pre-existing conditions, providing responsible payout for common chronic diseases such as hypertension, diabetes, and various nodules, truly realizing worry-free insurance for people with pre-existing conditions. Furthermore, Zhongminbao high-end medical insurance further eliminates the deductible threshold. Deductibles have always been a reason for poor user satisfaction with medical insurance. Traditional medical insurance often sets deductibles in the thousands or even tens of thousands of yuan, making patients still bear the expenses for minor illnesses. Zhongminbao eliminates the deductible threshold, allowing patients to apply for claims for personal expenses incurred during hospitalization and within 30 days before and after hospitalization for general diseases. Claims can be made for expenses within 0-20,000 yuan at 50%, and expenses above 20,000 yuan and those within major disease responsibility at 100%, minimizing the user's economic burden. Reshaping the medical insurance ecosystem: People with existing illnesses and healthy populations now share protection To bridge the gap between traditional million-dollar medical insurance product design and customer needs since the initiation of the DRG/DIP medical insurance payment reform pilot, Zhongminbao high-end medical insurance has made bold changes in drug responsibility and hospital coverage, among other responsibilities. Regarding hospital coverage, in addition to supporting all secondary and higher public hospitals nationwide, Zhongminbao high-end medical insurance breaks through the restrictions on general wards of public hospitals and supports 102 designated private hospitals/medical institutions. For major diseases, it can cover international departments, special needs departments, and provide patients with one-on-one expert diagnosis and treatment, independent rooms, and other high-end services, avoiding crowds and queues, and improving the efficiency and experience of medical treatment. In terms of drug responsibility, the product fully opens up the prescription of drugs and equipment purchased outside the hospital, with no restrictions on diseases or lists, including 156 specific high-priced drugs such as CAR-T, meeting the post-medical reform patients' needs for drug claims. Since 2019, Zhongan Insurance has been focusing on sub-healthy people, designing and developing a series of insurance products to meet the deep health needs of people with existing illnesses and adding value to their medical insurance and health management. Through continuous innovation in the market, "Zhongminbao" has become the flagship product series of Zhongan Health Insurance for non-standard individuals, focusing on meeting the protection needs of people with existing illnesses. Since its successful operation in 2022, Zhongminbao has accumulated over 500,000 insured users. From no health declaration to 0 deductible, and then to the upgrade of hospital coverage and drug responsibility, "Zhongminbao" practices the design concept of "everyone can be insured," making it possible for more people with existing illnesses to obtain medical insurance protection, further approaching the population of healthy individuals.