In the alternating season, problems such as long queues for children to see a doctor and few doctors always cause heated discussions. Common diseases such as colds, flu, and gastroenteritis brought about by temperature changes continue to be high, and the number of pediatric visits in many places has surged.
For this reason, many parents in first-tier cities are considering buying high-end medical insurance for their children, which can not only provide their children with medical protection, but also allow their children to see a doctor and suffer less crimes. But this usually means an additional cost of at least about 10,000 yuan per year, which is a large expense for most families.
Recently, Zhongan Insurance launched the "Exclusive Baby Children's High-end Medical Insurance", which can be described as a new product with both cost performance. According to reports, the product is specially designed for children, and children can be insured after 30 days of birth. From the comprehensive perspective of protection liability, applicable scenarios, and **, it fills the gap of "cost-effective choice" in the children's high-end medical insurance market.
The "cost-effective choice" of high-end medical insurance for children
The high cost performance of "exclusive baby children's high-end medical insurance" is mainly reflected in four aspects:
The first is to have a broader medical network. "Privilege Baby" is a customized medical network for products, including the special needs department of public hospitals, the international department, the VIP department and designated private hospitals, including more than 250 designated private hospitals, more than 350 direct-paying hospitals, and expensive hospitals such as United Family and Jiahui in the list of private hospitals.
The second is to have more practical conditions for claims. The 0 waiting period means that the product can be claimed on the day of the effective day of the product, and the number of claims that can be paid 100% throughout the year reaches 6 times (Ultimate Edition) or 12 times (Premium Edition), which is at a high level in the industry.
Third, it covers a wider range of medical scenarios. This product covers more than most similar products, for fever, cold, mycoplasma, acute gastroenteritis and other daily minor diseases, you can go directly to private outpatient clinics, save queuing time in public hospitals, and avoid the risk of cross-infection. If you unfortunately suffer from a major illness or a complex and difficult disease, you can also directly make an appointment with the experts of the special needs department of the public hospital to see the best plan in time.
Fourth, additional value-added services that are more worry-free. The value-added services of "Privilege Baby" are divided into five categories: basic services, medical advance payment, medical direct payment, in-hospital and out-of-hospital escort, and critical illness treatment, with a total of 8 items, including critical illness green pass, inpatient nurses, and postoperative home care, which make parents more worry-free.
Directly hit the pain points of the market, and the comparative advantages of products are obvious.
Based on the needs of some parents with certain financial strength who want to give their children a more comfortable medical experience, high-end children's medical insurance has always been a must for major insurance companies. Most of the related products are known for their compensatory private hospitals and one-to-one perfect services, but they are also as high as 10,000 yuan per year, and many products are purchased for children and need to be purchased by adults.
In recent years, this situation has gradually improved, and insurance companies have launched high-end medical insurance for children, but the product ** is still high, which makes the average urban middle class and working class hesitate whether it is worth buying.
In fact, parents can choose based on a combination of personal needs and financial strength.
The biggest difference between the special needs department of public hospitals and private hospitals and the general department of public hospitals is that consultation** is more expensive and cannot be reimbursed through general medical insurance. From the perspective of mainly wanting to give children who are prone to illness a better medical experience, it is more appropriate to choose products with public and private special needs outpatient and emergency departments as the main responsibility, moderate quality, and sufficient compensation amount.
"Exclusive Baby Children's High-end Medical Insurance" not only meets the above conditions, but also provides 100% reimbursement for more outpatient and emergency visits per year under the condition that other similar products** are consistent. In addition, the product can be paid on a monthly basis, and the average monthly price of the Smart Enjoy version is only 359$9. Taking United Family Hospital as an example, the cost of a child's outpatient visit is not low, and it can be said that it is a high-end medical insurance for children that more families can afford.
Insist on long-term companionship with users.
Making medical insurance more accessible to the people is one of the concepts that Zhongan Insurance has always adhered to in the exploration of health insurance products.
After 8 years of exploration, Zhongan Insurance will enter the mid-to-high-end medical insurance market in 2023 and launch the "Exclusive e-Life, Mid-to-High-end Series", focusing on enjoying high-end medical treatment experience with the people, and sinking the service of high-end products to meet the needs of mid-to-high-end customers who pursue cost-effective products and medical experience.
The launch of the "Privilege Baby" focuses on the children who have a stronger demand for medical experience in China, and the operation data of Zhongan Health Insurance in 2023 shows that among the insured users of the 2023 million medical insurance additional special needs fuel package, the surcharge rate for minors under the age of 16 exceeds 12%. Zhongan Insurance has accumulated rich experience in the special needs services of children through the "Exclusive e-Life" series, which can be used as a basis to screen out practical, commonly used and sufficient responsibilities, superimpose high-quality high-end services, and achieve the best advantage under the similar number of outpatient and emergency claims.
The person in charge of health insurance product development of Zhongan Insurance said: "'Privilege Baby' is an integral part of Zhongan Insurance's premium series, and it is also a new extension of the premium series, which has gone through 24 iterations in 9 years and has accompanied and served more than 72 million users. In the future, the premium series will continue to be consistent, expand the product boundaries with user-oriented, serve old customers well, and let more people get high-quality medical insurance. ”
Xinhua.