With the release of the DRG (payment by disease group)/DIP (payment by disease score) 2.0 grouping scheme for medical insurance reform, there has been an increasing discussion among the public on topics such as medical expenses and medical insurance coverage. More and more people familiar with social security and commercial insurance are choosing to pay attention to high coverage critical illness insurance, hoping to use its function of early payment for major illnesses to minimize the impact of policy changes on individuals' future medical choices. In this context, in response to customer needs, Huizhe has recently launched the 14th iteration of its Darwin series critical illness insurance and customized the Darwin No. 10 critical illness insurance.
It is reported that the upgraded Darwin 10 not only maintains the cost-effectiveness advantage of its series of products, but also covers 185 major diseases, providing 8 optional protections such as malignant tumor severe treatment allowance insurance, specific cardiovascular and cerebrovascular disease insurance, and major disease premium compensation for customers to flexibly customize according to their actual situation. In addition, it innovatively expands two major scenarios: accidental serious illness and additional compensation for serious illness during pregnancy, aiming to cover customers' evolving needs in more segmented scenarios and help them plan their future comprehensively.
The product manager of Huize stated that every Darwin critical illness insurance needs to go through multiple stages, including precise customer analysis, form design, reinsurance negotiation, selection of cooperative insurance companies, product technology research and development, and production implementation, constantly pursuing the ultimate polishing. Since its first launch in 2018, the Darwin series critical illness insurance has insured over 320000 customers with a coverage amount exceeding 100 billion yuan.