Brief introduction of the new product "Gradually Kang Hua Gui A" of Xinhua Life Insurance.
1. New China Life's gradually healthy and luxurious A medical insurance and additional hospitalization allowance medical insurance have obvious innovative characteristics. In view of the limited reimbursement level of social security and insufficient self-funded medical expenses, the products of Gradually Kanghuagui A Medical Insurance not only protect the self-funded medical expenses in the social security catalogue, but also compensate the self-funded expenses that are not reimbursed by social security, which is conducive to patients adopting more advanced diagnosis and treatment technologies and new special drugs, and is conducive to patients' early recovery.
2. The product provides two-stage protection plans with annual protection amounts of 200,000 yuan and 300,000 yuan respectively, which can fully solve the burden of patients' medical expenses, especially large medical expenses. The high-end plan also bears the expenses of special medical departments and international medical departments to further improve the medical quality of customers. The biggest highlight of medical insurance with additional hospitalization allowance is that it increases the responsibility of operation allowance on the basis of providing daily hospitalization allowance and intensive care allowance. Drawing lessons from international and industry experience, Xinhua Life has developed the latest and most comprehensive operating table in the industry, covering six major organ transplant operations and 10 grade 1476 clinical common surgical items, which fully meets the needs of customers for surgical medical insurance and fills the gap in the application standard of surgical classification insurance in the insurance industry.
Through continuous innovation and research and development, Xinhua Life Insurance has formed a unique product system in terms of personal medical insurance products:
First, it is flexible choice. It covers various products such as cost compensation and subsidies, outpatient and hospitalization, medical expenses in the social security catalogue and medical expenses out of the catalogue, insurance policies and pure commercial products. Customers can freely choose insurance according to their own needs.
The second is comprehensive protection. It can fully compensate customers for medical expenses, medical expenses, material expenses, bed fees, etc. during the medical treatment; Covers hospitalization allowance, intensive care allowance and operation allowance. Can meet the multi-level and diversified needs of different customers.
Third, the cost performance is high. By adopting the pricing method of interest-oriented customers, customers can get full medical insurance at less cost.
Fourth, there are many innovations. Promote product liability innovation through technological innovation (such as developing professional operating tables) and provide special targeted protection through market demand segmentation; Optimize customer underwriting and claims experience through service innovation.