2023-05-31 04:05:20
According to the Ministry of Health and Welfare’s announcement of the top ten causes of death in the past 110 years, chronic diseases accounted for 8 of them, most of which were related to poor living habits, and once the disease occurred, medical expenses would increase significantly. Shin Kong Life today (31) launched the industry’s first “Lifestyle-related disease (commonly known as chronic disease) policy”-Shin Kong Life Go Health Whole Life Health Insurance (referred to as “Go Health”) adopts an overflow design, changing the hospitalization insurance in the past “one-to-one”Three times the amount of benefits after illness.
Xinshou said that modern people live a busy life. They are often so busy that they have a meal without a meal. They rely on cigarettes, alcohol, caffeine to refresh themselves, or have a hand-cranked drink as a small fortune in life. On weekends, they are reluctant to sleep and just want to bow their heads and slide Chatting and watching dramas on mobile phones, lack of sleep time, poor eating habits and insufficient exercise, these bad habits in life are a vicious circle, and in the long run, they will invisibly bring great hidden dangers to health.
According to the Ministry of Health and Welfare’s announcement of the top ten causes of death for Chinese people in 110 years, chronic diseases accounted for 8 of them, and most of them were related to poor living habits. . The National Institutes of Health also reminded that chronic diseases will gradually replace acute infectious diseases and become the most important health threat to Chinese people. Japan’s Ministry of Health and Welfare has officially renamed adult diseases or chronic diseases that have been conventionally used in the past to “lifestyle-related diseases”, including chronic diseases such as heart disease, high blood pressure, diabetes, and even cancer. The causes are inseparable from living habits.
The sooner bad habits are developed, the sooner the disease will occur. There are hand-shake drinks, fried food shops, and dessert shops all over the street, and the situation of younger diseases can no longer be ignored. According to the Taiwan Diabetes Yearbook, the number of people under the age of 40 suffering from type 2 diabetes in Taiwan has increased by 2.5 to 3 times , Nephropathy, cardiovascular disease and other complications may come early. The situation of young strokes cannot be ignored. According to the latest statistics, one out of every seven stroke patients is a young person under the age of 45. As age increases, the proportion of elderly comorbidities also increases. More than 40% of Taiwanese over the age of 65 have three or more chronic diseases, and the demand for medical services is higher than that of ordinary healthy people.
3 times the daily benefit after getting sick, and prepare for medical insurance for the elderly
Faced with the problem of rising medical expenses after illness, Shin Kong Life launched the first lifestyle-related disease insurance policy “Shin Kong Life Go Health Lifetime Health Insurance” (“Go Health”), focusing on improving medical protection after suffering from lifestyle-related diseases and incorporating it into the insurance adjustment mechanism , launched an innovative medical insurance product with a one-time payment for specific injuries and a 3-fold daily upgrade mechanism to help the public upgrade their protection after illness, as a new choice for preparing for medical care for the elderly.
Shin Kong Life Insurance stated that in the past, the daily hospitalization medical insurance for general hospitalization medical insurance was mostly agreed upon at the time of insurance application, and it would not be automatically adjusted due to specific diseases in the future. According to Shin Kong Life Insurance’s internal statistics, life After getting used to related diseases, the future medical expenses will more than double that of ordinary people. It is common for people to lament the lack of original insurance plans when they make claims. In view of the high medical needs of the public after illness, the long course of chronic diseases, and the high proportion of comorbidities in the elderly, Shin Kong Life launched “Go Health” to provide protection for the medical gap that most needs to be supplemented by the public after illness, and combined with step counting spillover The mechanism encourages people to increase their physical activity and improve their living habits with substantial discounts on renewal insurance premiums. Shin Kong Life “Go Health” is specially created for potential groups with lifestyle-related diseases. The insurance age is from 0 to 65 years old, and it has three major features:
one. The industry’s first lifestyle-related disease insurance policy:
Many chronic diseases are accumulated from long-term bad living habits. “Go Health” selects 16 specific injuries that are easily caused by long-term bad living habits, such as cancer (severe), acute myocardial infarction (severe), and post-stroke disorders (severe) ), end-stage renal disease, chronic liver disease combined with liver failure, etc., provide specific injury and disease insurance benefits that are 600 times the daily amount of inpatient medical treatment. by
two. Daily benefit upgrade mechanism:
“Go Health” provides an innovative 3-fold daily rate upgrade mechanism. When the insured suffers from one of the 16 specific injuries, “Go Health” immediately activates the payment mechanism for hospital care insurance, so that in the future, regardless of any reason for hospitalization, you can enjoy The daily payment is magnified by 3 times (the same hospitalization, the maximum is 30 days). “Go Health” also provides life-long hospitalization coverage, intensive care/burn and scald wards, and death benefits. The lifetime medical account is 3,000 times the hospitalization coverage, and you can deduct as much as you use.
three. Step count overflow mechanism:
“Go Health” provides a step-counting overflow mechanism. As long as you walk more than 8,000 steps (inclusive) a day and reach the standard three times a week, you can accumulate exercise points. After the annual settlement, you can enjoy up to 4% of the next policy year renewal Discounts on long-term insurance premiums are used to encourage people to increase physical activity and gain health with real incentives.
further reading
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Ye Yiru, Special Correspondent of Yahoo Finance: 22 years of experience in financial mainstream media, from the bubble of Web1.0 in 2000 to Web3.0 of the Meta universe, witnessed the history of the rise and fall of large and small business groups in Taiwan, and experienced five international financial crises. Think that finance is life, omnipresent, no matter how difficult financial management knowledge should be explained in a simple way. No matter you are young or old, you should manage money. If you don’t manage money, money will ignore you.
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