18-year-old college freshman Xiaotong will set up a flag on Weibo at two or three in the morning, "If you stay up late tomorrow, you will chop up your hands." But the next day, he will still swear to not stay up late on Weibo in the early morning and continue to watch the football game.
25-year-old urban beauty Lisa once established a WeChat group called "Sleep before 12 o'clock" and advocated friends to enter the group to check in. From the beginning, the curiosity mentality drove them to join the group, and later some people simply quit the group chat until no one spoke again.
31-year-old hot mom Yingying picks up her phone and makes X sounds and small X books every night after coaxing her baby to sleep. During the long night, she frequently shuttled through various maternal and infant accounts.
There are always countless Xiaotong, Lisa and Yingying lurking around contemporary young people. They know the harm of staying up late, and even use various methods to motivate themselves not to stay up late. But when night falls, they always extend their sinful hands to their mobile phones, remote controls, mouses, keyboards...
According to the "Chinese Young and Middle-aged Cardiovascular Health White Paper", the number of people with illness and high-risk aged 20-29 has reached 15.3%. About 6 people with cardiovascular and cerebrovascular diseases and high-risk people are born in the 1990s. Diseases such as hypertension , thyroid nodules , breast nodules ... have long been entangled with young people! The large number of sub-healthy people has given rise to consumers' strong willingness to take out insurance, but their health risks are more complex and have higher requirements for risk assessment technology.
Love Wuyou (Easy Nuclear Version), "non-standard" people really love it!
Wutongshu Insurance Research Institute members introduced that sub-healthy people are generally difficult to underwrite, and the development of insurance technology can empower precise insurance, especially chronic disease insurance. Based on emerging technologies such as 5G, Internet of Things, big data and artificial intelligence , it provides a big data foundation for the insurance industry, provides customers with a standard portrait, establishes feasibility risk prediction models, provides intelligent underwriting and compensation, direct payment experience, and optimizes and improves the health management ecological chain, and also establishes infrastructure for sub-healthy people to insure and chronic disease management, opening up a new insurance blue ocean.
It is understood that China People's Insurance has always regarded risk solutions for sub-health populations as one of the important strategic directions, and has invested a lot of manpower and resources for research and development. The recently launched Aiwuyou (Easy Nuclear Version) critical illness insurance (exclusive to the Internet) "large-scale" breaks through the underwriting bottom line, not only improving the insurance opportunities of more than 20 high-incidence diseases such as diabetes , hepatitis B, hypertension, hyperlipidemia, and lung nodules, but also has the opportunity to take out insurance after cancer surgery! It is praised by many policyholders as the "Easy Nuclear Ceiling".
Extremely scarce underwriting rules, humanized intelligent system
China People's Insurance has cleverly found a balance between underwriting non-title and controlling risks. Faced with some common health abnormalities, such as hepatitis B, premature baby , hand, foot and mouth disease, Kawasaki disease, hyperthyroidism, hypothyroidism, etc., all have the opportunity to underwrite the standard body. The premium is the same as a healthy body, and the protection responsibilities are also quite high, and the cost-effectiveness is very high! For lung nodules, breast nodules, etc., other products are directly rejected. Aiwuyou (Easy Nuclear Version) critical illness insurance agreement only requires "nodules disappear or shrink or no change", and open the door to most patients with pulmonary nodules. What is even more breakthrough is that Aiwuyou (Easy Nuclear Version) critical illness insurance also provides insurance opportunities for cancer surgery, and there are basically no other products to be found online! Underwriting conditions for each disease cannot be listed in the article. If consumers have corresponding specific needs, they can try Aiwuyou (Easy Nuclear Version) intelligent underwriting system to quickly know the underwriting results in 1 minute, and the underwriting process does not leave any traces, which is very user-friendly!
secondary compensation design is reasonable, extending the life of the policy
In terms of basic protection responsibilities, Aiwuyou (Easy Nuclear Version) critical illness insurance is the biggest highlight of accuracy and directness. Aiwuyou (Easy Nuclear Version) critical illness insurance comes with the "second major disease insurance premium". It is suitable for 120 types of critical illnesses, and it is not grouped twice to cover most of the high-incidence serious illnesses. Each time, it can pay 100% of the basic insurance amount, which can allocate sufficient insurance amount for the family during the critical period of life to fully isolate the economic risks brought by the disease.It is worth mentioning that only one year is needed to be separated by two critical illnesses. Compared with some products that require two critical illnesses to be separated by two or even three years, the claims threshold for Aiwuyou (Easy Nuclear Version) critical illness insurance is lower.
And the mild and moderate symptoms that we are prone to ignore in daily life are also sincere. For 20 moderate symptoms, we do not pay in groups twice, and can pay 60% of the basic coverage each time; for 40 mild symptoms, we do not pay in groups three times, and can pay 30% of the coverage each time, which is at the mainstream level on the market.
Specific diseases are classified into categories to improve the protection of subdivided populations
In recent years, the incidence of cancer has become increasingly higher, but due to the different levels of hormones in the congenital bodies of men and women, the risks faced are also different. Men are led by lung cancer and women are led by breast cancer . In order to strengthen the protection of different groups more accurately, Aiwuyou (Easy Nuclear Version) critical illness insurance includes additional compensation for specific diseases for men and women as optional responsibilities, covering 10 male-specific diseases and 10 female-specific diseases.
As long as you are 18 years old (including 18th birthday) to 60 years old (excluding 60th birthday) and meet the conditions for critical illness insurance payment, you can pay 100% of the basic insurance on the basis of critical illness compensation. That is to say, you can pay a maximum of 200% of the basic insurance amount for a single time, and you can pay a maximum of 1 million yuan, which is quite sufficient for treatment, and you don’t have to worry about subsequent rehabilitation and recuperation!
If you are in danger, you can meet the specific major illness insurance and major illness insurance for male/female (first/second time) ) Compensation conditions, these two responsibilities can be compensated at the same time, and the protection is more powerful!
full medical care, warm and improve policy value-added
Aiwuyou (Easy Nuclear Version) critical illness insurance value-added services are worth mentioning. As long as the insurance amount is purchased 100,000 or more, the full medical service can be provided for free, not only including outpatient appointments, but also hospitalization and surgical arrangements, postoperative rehabilitation suggestions, directly covering one-stop service before, middle and late stages of admission, allowing patients to have a more relaxed medical experience.
The days ahead may still be sunny, rainy, light and dark, but non-standard people don’t have to worry too much. Aiwuyou (Easy Nuclear Version) critical illness insurance not only provides valuable insurance opportunities for special groups in a targeted manner, but also has a high level in the market, whether it is a solid basic guarantee or precise special responsibilities. Compared with the mainstream critical illness insurance , Aiwuyou (Easy Nuclear Version) critical illness insurance is a difficult person to find for sub-health people. Aiwuyou (Easy Nuclear Version) is a phased achievement of of China People's Insurance. In the future, China People's Insurance will still give full play to its professional advantages and provide consumers with more innovative sub-health risk solutions through independent research and development and technological empowerment.
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