How Internet Insurance Refines Details with Patience: A Look at Xiaoyusan's Super Mary Critical Illness Insurance and Its Innovative Anti-Cancer Features

According to the latest data from People's Daily, there were an estimated 18.1 million new cancer cases and 9.6 million cancer deaths worldwide in 2018. Among these, China accounted for 3.804 million new cases and 2.296 million deaths. This means that out of every 100 new cancer patients globally, 21 are Chinese, representing the highest proportion among all countries.

According to statistical data from The Lancet, a world-renowned authoritative medical journal, China’s latest five-year average cancer survival rate has reached 40.5%. In medical terms, this situation can be considered as “clinical cure” of cancer, with patients’ survival rates being comparable to those of the general population. Additionally, some otherwise incurable cancers can also achieve long-term control through standardized treatment.

To address the high incidence, high cure rates, and extensive rehabilitation needs associated with cancer, Xiaoyusan Insurance has partnered with Ruitai Life Insurance to launch the “Super Mary Adult Critical Illness Insurance.” This product combines Hong Kong-style insurance policy protections with mainland China’s affordable pricing, enabling more people to access superior coverage.

As a pioneer in the insurance industry, Hong Kong insurance offers more comprehensive coverage in certain aspects, with multiple cancer payouts being a prime example. This benefit originates from the coverage terms of Hong Kong insurance policies. Medically, cancer survivors who live for five years or more are often considered to have achieved long-term survival; however, the risk of developing a new cancer increases post-diagnosis due to compromised immunity. Therefore, multiple cancer payout coverage is critically important.

This time, the Super Mary Adult Critical Illness Insurance introduces the coverage model of Hong Kong insurance, and the waiting period for cancer recurrence and metastasis is set at only three years, which is even shorter than the medically defined timeframe.

Meanwhile, in terms of pricing, taking a 30-year-old male as an example, with coverage up to age 70 and a sum insured of RMB 300,000, plus an additional rider covering 50 types of minor illnesses, the premium is only ** yuan. This price is highly competitive within the entire critical illness insurance sector.

A one-time payment of 30% of the sum assured is provided for minor illnesses, offering you enhanced protection in a single payout.In terms of covered conditions, the policy includes 100 critical illnesses, 50 minor illnesses, and 16 gender-specific diseases, providing comprehensive coverage for high-incidence critical and minor illnesses—representing the most extensive coverage currently available in critical illness insurance. In addition to covering high-incidence thyroid cancer, it also covers other common cancers.

Additionally, carcinoma in situ is covered for up to two claims, providing substantial protection. For minor conditions, the policy offers three ungrouped payouts and waives all subsequent premiums. Since the probability of multiple minor condition claims is low, the critical illness sum assured increases by 30% in a lump sum after a minor condition claim is paid, enabling you to face more significant health crises with greater ease.

Super Mary Critical Illness Insurance not only offers advantages in pricing and coverage but also provides users with a variety of options at the time of purchase. Customers are diverse, with varying needs: some prefer more additional benefits, others prioritize higher sum assured amounts, while still others have specific requirements regarding occupational classifications or premium waivers.

In addition to the 100 mandatory critical illness coverages, optional benefits such as minor illnesses, high-incidence cancers, death benefit, and waiver of premium for the policyholder are available. Users can tailor their coverage combinations based on their individual circumstances, as the most suitable option is the best one.

With no restrictions on occupation or weight, five flexible premium payment terms, and a maximum sum insured of RMB 600,000, the Super Mary critical illness insurance policy also stands out in its details. It is particularly friendly to individuals in high-risk occupations and those with higher body weight. This aligns with the original mission of Xiaoyusan Insurance: to enable more people to access better insurance products and provide users with more comprehensive services through technological innovation.

Xiaoyusan Insurance was founded in 2015, focusing on leveraging technology to deliver high-quality health insurance products and related services to users. From early-stage product research and development to AI-powered insurance advisory, intelligent underwriting and policy administration, disease-specific underwriting recommendations, and AICS-enabled smart claims processing, Xiaoyusan Insurance has established a comprehensive, closed-loop service ecosystem through technological innovation. We believe that Xiaoyusan Insurance will continue to bring more surprises in the future.