ZhongAn Insurance Launches China's First Post-Thyroidectomy Million-Yuan Medical Insurance Plan for Thyroid Nodule Patients

Recently, ZhongAn Insurance officially launched the “Thyroid Edition” of its flagship product, “Zunxiang E-Sheng,” with “Thyroid” specifically referring to thyroid conditions. In recent years, the incidence of thyroid nodules has been rising year by year. This ZhongAn product is primarily designed for individuals with thyroid nodules and extends coverage under the “Zunxiang E-Sheng” Thyroid Edition to include those who have undergone thyroidectomy, thereby providing more comprehensive health protection for patients with thyroid disorders.

In recent years, the rate of malignant transformation in thyroid nodules has risen rapidly. According to data from the National Cancer Registry Center, the incidence of thyroid cancer in China continues to grow at an annual rate of 20%. The "Report on Cancer Prevention Science Popularization for Chinese Young and Middle-Aged Adults," released in April 2019, indicates that the prevalence of thyroid nodules is 18.6%, a figure that includes individuals who are affected but unaware or have not sought medical attention. Conservatively estimated, there are over 250 million people with thyroid nodules in China. This statistic implies that approximately one in every five individuals is affected by thyroid nodules; however, most patients remain unaware of their condition until it has potentially progressed to malignancy. Furthermore, thyroid diseases have certain genetic predispositions. If a family member is diagnosed, it should prompt heightened awareness among all family members and an increased frequency of thyroid screening.

ZhongAn’s newly launched “Zunxiang e-Sheng” Youjia Edition provides comprehensive coverage for patients with thyroid nodules and their families, and supports insurance applications from patients with stable post-thyroidectomy conditions. By safeguarding patient health through the “ZhongAn HuJia” Smart Health Plan, it effectively alleviates the treatment burden on thyroid nodule patients and their families.

Recently, the debate over whether thyroid diseases should remain covered under critical illness insurance has drawn widespread public attention and raised concerns among many policyholders. They worry that if thyroid cancer is excluded from critical illness coverage, they will lack reliable insurance protection should they develop thyroid-related conditions in the future. The launch of ZhongAn’s “Zunxiang E-Sheng” Youjia Edition may help fill this potential gap.

Based on this, current common million-yuan medical insurance policies also impose numerous conditions on applicants with thyroid nodules. There are strict restrictions regarding the time of nodule detection, diameter size, and severity grade. Regarding the TI-RADS classification from thyroid ultrasound, underwriting requirements often mandate a grade below 3, with coverage provided on an exclusion basis. If the insured has already filed a claim, renewal services may even be discontinued in the second year.

ZhongAn’s “Zunxiang Yisheng” Youjia Edition, a million-yuan medical insurance product, offers customized services specifically for patients with thyroid nodules. With a maximum coverage of RMB 4 million, the annual premium starts at just RMB 194, averaging approximately RMB 16 per month. The underwriting criteria are more lenient: patients whose thyroid ultrasound results within the past five years are classified as TI-RADS 1–3 can be covered provided they meet the health disclosure requirements. Additionally, post-thyroidectomy patients may apply for the “Zunxiang Yisheng” Youjia Edition once their condition stabilizes. They can submit specified documents online for manual underwriting, and the insurer will provide an online review decision within five business days after receiving complete documentation.

With low underwriting thresholds and a light financial burden, the launch of ZhongAn’s “Zunxiang E-Sheng” Youjia Edition has brought welcome relief to health coverage for patients with thyroid nodules.

Although thyroid cancer has a high incidence rate, the majority of cases are benign. Highly malignant types account for less than 5%, and most thyroid cancers typically progress slowly with high cure rates, earning them the nicknames "indolent tumors" or "lazy cancers." Precisely because of this perception, many young patients diagnosed with these "lazy cancers" adopt a complacent attitude toward their thyroid nodules, failing to seek timely examinations or medical consultation. As a result, they miss the optimal window for treatment and end up suffering from the severe consequences of their neglect.

The launch of the “Zunxiang Yisheng” Youjia Edition marks the full rollout of ZhongAn Insurance’s “ZhongAn Armor” Smart Health Initiative, a national health insurance program designed for 250 million people in China. Driven by insurtech innovation, the “ZhongAn Armor” Smart Health Initiative connects policyholders with professional medical teams from thousands of hospitals across China. In the event of thyroid-related conditions, insured individuals will receive diagnosis and treatment services from thyroid specialists at Grade A tertiary hospitals, ensuring timely diagnosis and intervention. Complementing this core offering are ZhongAn’s signature services, including medical expense advancement, green-channel access for critical illnesses, post-operative home nursing care, and specialized oncology drug services. Together, these five service pillars make high-quality thyroid health management from ZhongAn readily accessible.

For common questions regarding insurance applications for thyroid conditions, ZhongAn’s AI Assistant can also provide online answers and offer 24/7 customer service. Leveraging technologies such as the internet and artificial intelligence, ZhongAn comprehensively integrates medical big data from thyroid patients to create a comprehensive AI-driven Thyroid Medical Compendium.

As an insurtech company, ZhongAn Insurance connects hundreds of millions of users via the internet and leverages technologies such as the internet, big data, and AI to understand and meet each user’s needs. In its daily operations, it continuously analyzes and identifies user needs through big data and other methods, utilizes its technological advantages to enable rapid feedback, iteration, and upgrades, and consistently optimizes process experiences.

Driven by the dual engines of user needs and continuous innovation, Zunxiang Yisheng has become the leading national health insurance brand in the market, featuring the fastest iteration and upgrades, the most extensive connected services, and the largest internet user base. In the future, it will continue to provide customized personal health risk solutions for the public by integrating the closed loop of internet insurance and healthcare.