AIA launched the series of "friends do their best" critical illness insurance, which is a profound insight into the incidence trend of major diseases and the diversified and multi-level health care needs of customers at different life stages under the background of the implementation of new regulations on critical illness. Through the pioneering combination of "core guarantee+personalized configuration", we can provide customers with tailor-made critical illness protection-customers can choose personalized configuration on the basis of core protection according to the actual needs of individuals or families, thus realizing flexible customization of exclusive protection scheme. Among them, the core guarantee integrates the three major protection functions of serious illness, total disability and death, providing customers with the key protection for a lifetime. In addition to core protection, customers can also flexibly choose diversified protection interests. In terms of compensation for mild and moderate diseases, customers can freely choose different proportions of single compensation, ranging from 30% for mild diseases to 60% for moderate diseases, and there is no interval between two payments, thus truly realizing on-demand configuration and free combination. In addition, the maximum number of compensation for mild and moderate diseases can reach 5 times respectively, and the cumulative compensation can reach 10 times, and the compensation between mild and moderate diseases is not mutually exclusive, which fully solves the worries of customers. Through personalized configuration, customers can also enjoy special protection functions such as multiple compensation for serious and malignant tumors, exemption from premium for mild and moderate diseases, and exemption from serious/total disability/death of policyholders and their spouses.
For wealthy families and high-net-worth people, AIA also launched the first critical illness insurance product for such customers-AIA Best Critical Illness Insurance, with a coverage of over one million, providing layers of health protection for high-net-worth customers and preventing serious diseases.
Through the modular design in terms of coverage content, coverage period and coverage amount, the first batch of AIA "Youruyi" series products contain nearly 2,000 combination modes, covering children, adults and high-net-worth people, and building a flexible and comprehensive disease protection network for customers.