August 2025

The annual insurance ‘Opening Red’ season has arrived again, often referred to as the ‘Double 11’ of the insurance industry. During this period, many insurers aggressively promote savings insurance products. However, this year is significantly different: many companies have shifted their focus from ‘fixed-income products with universal accounts’ to ‘dividend insurance with universal accounts.’ If […]

If you don’t want to end up paying hundreds of thousands out of pocket for cancer treatment after purchasing a million medical insurance plan, or face policy cancellations mid-treatment for critical illnesses, this article is a must-read. Honestly, I’ve seen too many tragedies where people were misled due to a lack of understanding about million

Since its debut in 2016, million medical insurance has quickly become a ‘viral’ product in the insurance industry. For just a few hundred dollars a year, it covers millions in medical expenses, alleviating the fear of unaffordable healthcare for ordinary people. As a result, many individuals’ first insurance policy is a million medical plan. However,

Million medical insurance emerged in 2016 and quickly became a ‘hot’ product in the insurance industry within just a few years. For just a few hundred dollars a year, you can secure coverage of several million, eliminating worries about affording medical treatment. This has made it highly popular among many! However, while million medical insurance

Among all insurance types, purchasing the wrong critical illness insurance can be the most costly mistake. Given its high premiums and long-term payment commitments (often decades), a poor choice can result in losses of tens or even hundreds of thousands. To help you avoid wasting money and make the right decision, we’ve identified the 3

Through social media fundraisers and news reports, we often see happy families devastated by sudden critical illnesses, forced to borrow money or even sell their homes for treatment. Facing a severe illness not only means losing the ability to work but also requires hundreds of thousands for medical expenses—a risk most ordinary people cannot afford.

Let me ask you a question: When buying insurance, do you focus on the brand, coverage amount, or advertising? According to the “2023 Internet Insurance Consumption Insight Report,” over 60% of young people purchase insurance through short videos, live streams, or social media platforms. However, nearly half of them don’t fully understand what their policies

Since its debut in 2016, million-yuan medical insurance has quickly become a ‘viral’ product in the insurance industry. For just a few hundred yuan per year, it can reimburse millions in medical expenses, alleviating the worry of unaffordable healthcare for ordinary people. As a result, many individuals choose million-yuan medical insurance as their first policy.

Among the four major types of insurance, million-dollar medical insurance is both loved and hated. Some dislike its high deductible, where thousands in medical expenses go unreimbursed. Others appreciate its high coverage, reimbursing tens or even hundreds of thousands in treatment costs. In essence, million-dollar medical insurance helps individuals leverage minimal costs to access millions

Why do we say this? After evaluating the latest batch of fixed-rate life insurance products, we uncovered two truths that everyone should know. Let’s dive in. 1. The first truth: The returns are disappointingly low. Before the products were discontinued at the end of August, we spoke with product managers from several insurers and were