This product has the advantages of "low premium, low threshold and high insurance coverage". With the help of the advantages of the Internet, it covers the market areas that insurance companies have never touched before, further alleviating the health protection needs of ordinary people, especially those who have been on the edge of the insurance industry for a long time.
Related information:
The mid-term research report of Health Economy and Medical Security Research Center of Nankai University shows that the out-of-pocket proportion of seriously ill medical staff in China still accounts for 45%-55%, among which 10% patients give up treatment because of insufficient payment ability. On the other hand, for nearly 600 million domestic people whose monthly income is only 1 10,000 yuan, most commercial health insurance thresholds are high, and the coverage rate of commercial health insurance in China is still less than 10%.
In order to improve this situation, since its establishment, Yuanbao has jointly launched more than 100 insurance products with high cost performance and low threshold, covering critical illness insurance, medical insurance, accident insurance, flood deductible insurance and special drug insurance.