In the new consumption era, young people who "take the post-90s as the core and the post-95s gradually become the mainstream" have risen rapidly and become an important force in the future new economy. They not only lead the development of The Times, but also show the life attitude and value judgment of a new generation of "consumption responsibility".

The insurance market has heard the wind and keenly caught the signal of the evolution of The Times: "After the wave" will usher in a new wave of health management highlights era!

When the previous generation tried to obtain a health security from the thermos cup of goji berries, the world's sober contemporary youth risk awareness is constantly improving. For them, rather than being the lone warrior against risk, it is better to transfer the risk to insurance, so that families have more options in the event of an accident.

The "2021 China Insurance User Demand Trend Insight Report" shows that China's insurance basic user label is trending younger, of which 75.9% of the total population is 20-40 years old to buy insurance. Striving for life while building security for the future is becoming the choice of this generation of young people.

On the Internet social platforms such as Weibo, Xiaored book, and B station, it is often possible to see netizens from all walks of life sharing experiences and exchanging ideas, and a variety of strategies make people see dazzling.

Why is this generation of young people increasingly interested in configuring insurance?

In the past, when it comes to insurance, the first reaction of most Chinese people is often to hide as far as they can, and the stereotype that "buying insurance is equal to spending money" is deeply rooted in people's hearts. In recent years, with the standardization of the insurance industry, people's awareness of insurance has been greatly improved. Especially, young people who have grown up in this environment have a completely different attitude towards insurance and begin to choose to embrace insurance.

More important, though, is the sense of security. "China Internet Insurance Consumer Insight Report 2021" shows that whether it is traditional insurance or Internet insurance, "security" as the most basic element of insurance has been recognized by consumers.

When it comes to feeling safe, health tops the list. Old people buy health products, young people buy insurance, the source of security is always similar. Under the "996" high-pressure mode, the trend of younger middle-aged and elderly diseases such as three high and cervical spondylosis is "spreading". The outbreak of the epidemic is to let young people find that they can only "naked swimming" in the face of the disaster, without resistance.

Since the future is unpredictable, it is better to wear protective armor. Buying insurance has become one of the measures for young people to actively "save themselves". When an emergency occurs, insurance may be the plan B to help you get out of the crisis.

Although many young people are holding up a protective umbrella for themselves, there are still some people who are on the fence about insurance.

In the "Contemporary Youth Insurance Attitudes Report", 65% of people said that "social security is enough." A lot of people think they can get health insurance and everything will be fine. In fact, this is not the case. Medical insurance is a kind of universal protection with more restrictions. To better protect against unknown risks, it is best to combine commercial insurance.

More importantly, choosing the right insurance is what separates the user from the policy.

The wide range of insurance products makes it hard to know where to start; Obscure and up to hundreds of clauses, and heaven's book to fight; Spend a high price to buy the wrong "life insurance", when the claim is difficult; Buy insurance confused, blindly follow the trend, and finally can only pay in tears, or be forced to surrender...

In fact, ordinary people's demand for insurance is very simple, spend a small amount of money to get big protection. Whether you are a seasoned customer or a layman who knows nothing, you should be clear about your own protection needs and economic conditions before taking out insurance, and then choose the insurance product that suits you. If you buy insurance that is not right for you, an investment in security can turn into a burden that breaks the camel's back.

How to buy a satisfactory insurance may wish to systematically evaluate the reliability of the product from the dimensions of cost performance, service claims, and coverage. Taking Pacific Health Insurance's Blue insurance as an example, overall speaking, the indicators are higher than those of the same product in the market.

Nowadays, under the upgrading of health consumption, the main consumers of the new generation show the characteristics of individuation and diversification of insurance products, and look forward to a comprehensive and relatively long-term health protection to deal with the sudden uncertainty of health problems.

In the view of Pacific Health Insurance, this is a blue ocean of innovation, but also a sense of responsibility. In the face of the practical insurance needs of these young people, Pacific Health Insurance adheres to the concept of "health is a longer companion", and launches blue medical insurance and long-term medical insurance (guaranteed renewal for 20 years) to create differentiated medical insurance features, so that young people can truly benefit.

The medical care that has been hot in the market before is actually blue health insurance, including micro health insurance and long-term medical insurance on micro insurance, and the underwriting companies behind them are Pacific Health Insurance.

Today, I will take you to see whether the blue medical insurance and long-term medical insurance customized by the Internet are worth buying.

In general, as long as the health notice is met, the family can consider configuring a million medical insurance. After all, a few hundred dollars can leverage millions.

However, the ability to guarantee renewal for a long time has always been a pain point for millions of medical insurance. There are many real cases that the insurance cannot be renewed after the claim is paid, and there are not a few cases that forget to apply for the renewal of the insurance, resulting in the failure of the protection, or the insurance premium will be increased when the renewal of the following year......

Whether from the perspective of market space, user demands or policy guidance, there is an urgent need to solve the renewal problem caused by the current short-term insurance due to the suspension of sales and other reasons, and the upgrading of blue insurance and long-term medical insurance is to meet the needs of users for long-term security.

The ultra-long guarantee of renewal for 20 years is the conscience of millions of medical insurance products.

During the protection period, even if the insurance claims or health problems occur, or even the product stops selling, as long as the contract is performed on time and the premium is paid, it will not affect the 20-year guaranteed renewal rights. In other words, it is equivalent to a contract, and you do not have to worry about annual renewal within 20 years, which guarantees longer, worry-free and less worry.

Of course, "endurance" alone is not enough, and it is equally important to ensure that the content is comprehensive.

Blue health insurance · long-term medical insurance annual payment as long as 181 yuan, as low as 0.5 yuan/day, every month to drink a cup of milk tea can enjoy the maximum total value of 8 million protection, it is simply too worth it.

Moreover, in terms of the amount of insurance, Blue insurance and long-term medical insurance can fully rank among the ranks of high-insurance medical insurance, and the liability protection can almost meet the needs of most users.

The initial diagnosis of major diseases has 10,000 yuan of care insurance, and the reimbursement of 2 million yuan of general medical insurance insurance covers hospitalization, outpatient surgery, and medical expenses before and after hospitalization (emergency), etc., and covers the current treatment costs of most diseases, which can effectively fill the shortage of medical insurance and reduce the burden of medical expenses.

Major diseases such as malignant tumors in Shanghai Proton heavy ion Hospital for treatment of medical expenses are also written into the insurance clause, guaranteed renewal of 20 years, and reimbursement of up to 4 million, compared with other similar products can only reimburse 1 million, it is a lot.

The liability of imported drugs, targeted drugs and other purchased drugs is better than the average level of the industry, and the 86 cancer special drugs +2 CAR-T drugs of Blue medical insurance and long-term medical insurance can be selected to attach the medical insurance insurance liability for specific drugs, and the specific drugs outside the medical insurance list can be paid 100%, up to 2 million, further improving the coverage and protection of the insurance policy.

In addition to the price itself is cheap, Blue Medicare long-term care insurance is also in a way to save everyone money.

If more than 3 family members are insured at the same time, not only enjoy a 95% discount on premiums, but also share a deductible of 10,000 yuan, which is super suitable for a family of more than three friends to choose. If the health credit score is met, there is a preferential rate of up to 15% when renewing the insurance. Spend the least money, get the highest protection!

In terms of insurance age, blue health insurance and long-term medical insurance are also very relaxed, as small as babies born 30 days, as big as 65 years old. (The age limit varies by channel)

As for the rich value-added services, Blue insurance and long-term medical insurance are also not in short supply.

Relying on the health care resources of Pacific Health Insurance and external cooperative medical institutions, Blue Insurance and long-term medical insurance cover every age group and every stage of medical treatment after illness. Including all-weather online consultation, physical examination report interpretation, expert appointment, expert surgery, hospital advance payment, post-hospital care, etc., small anomalies have interpretation, serious illness has assistance, so many quality services for health escort.

We never know which will come first, tomorrow or the accident. All we can do is make the best of today and plan for tomorrow.