The main function is saving+hospitalization allowance.
If only you could stay in the hospital for a long time.
And it can be guaranteed to be 88 years old, which is really not available in many commercial hospitalization insurances. Generally, it is guaranteed until the age of 60, so it is not guaranteed.
However, I suggest that you consider Taikang Jixiang after you have some compulsory insurance such as accident insurance, accidental medical care, medical expenses and critical illness insurance. This money will not have much impact on your life.