Population is the foundation of the development of the country and the nation, and reasonable population policies and safeguard measures are an important guarantee for promoting economic development and social harmony. In recent years, China has been actively exploring policies and guarantee mechanisms to meet the needs of population development, among which the health of pregnant women and newborns is one of the focuses of social attention. To this end, Zhonghui Property Mutual Insurance Co., Ltd. (hereinafter referred to as "Zhonghui Mutual"), as the first "membership-based" insurance organization in China, actively responds to the call of the state, focuses on the specific groups of people with insufficient risk protection, and focuses on the problem of lack of protection for expectant mothers, and has launched an exclusive inclusive medical product - "Hui Pregnancy Insurance, Pregnant Mother and Newborn Insurance", aiming to provide comprehensive and personalized protection services for pregnant families.
It is understood that Zhonghui Mutual launched the "Hui Pregnancy Insurance" is an insurance product designed for pregnant women and newborns, which breaks the high threshold of traditional commercial insurance for pregnant women, and realizes that women under the age of 45 can participate in insurance after pregnancy, with no limit to the number of gestational weeks, no limit to the number of fetuses, no limit to social security, and no limit to occupation, truly achieving all-round and no dead end protection.
During pregnancy, women face much higher health risks than the general population due to changes in their physiology. According to the World Health Organization, about 830 women die every day worldwide due to complications during pregnancy and childbirth. In China, although the maternal mortality rate has been controlled at a relatively low level, in economically underdeveloped areas, this figure is still high. In addition, the incidence of common pregnancy complications such as gestational diabetes, intrahepatic cholestasis, and eclampsia is also more than 3%, and the incidence of elderly pregnant women is as high as 4 times.
For newborns, they also face many health risks. According to statistics, the comprehensive incidence of birth defects in China is as high as 56%, which means that on average, an unfortunate child is born every 30 seconds. In addition, 20 million people in the country suffer from rare diseases, 50% of which occur in childhood. The cost of these congenital and rare diseases is often very high, placing a huge financial burden on families.
It is based on a deep understanding of these issues that Zhonghui has launched the "Hui Pregnancy Insurance" product. It not only protects pregnant women from various complications and the risk of miscarriage during pregnancy, but also provides comprehensive health protection for newborns. This means that families can receive financial support and help even in the face of congenital and rare diseases.
It is worth mentioning that as an inclusive medical product, "Hui Pregnancy Insurance" is also very close to the people. Through the innovative model and service concept of Zhonghui Mutual, it has truly realized that every family can enjoy comprehensive and high-quality maternity protection. This measure is not only a positive response and support to the national fertility policy, but also a strong guarantee for the reproductive rights and interests of the majority of families, which fills the gap in the protection of pregnant women and newborns, and injects new vitality into the cause of maternity security in China.
Looking forward to the future, Zhonghui Mutual will continue to give full play to its professional advantages and innovative spirit in the field of insurance, focus on the specific protection needs of more specific groups of people, and escort more families.