Recently, we received a deeply moving letter from a long-time follower.
Mr. Ni, who had followed Shenlanbao for over 7 years, wrote a ‘thank-you letter’ to Shenlanjun, who has beening insurance for 8 years. This summer, he was diagnosed with cancer. Due to various concerns, he hesitated for nearly half a year. Ultimately, it was his late father-in-law, who passed away 4 years ago, that gave him the courage to embark on hisjourney. In this letter, we see how adversity seems to find its way into every corner of life, leaving us feeling disheartened and grief-stricken. Yet, throughpleas for help and self-rescue, we always find a way to survive. Today, we share this touching letter with you all. Here is his account: 1. “Four Years Ago, We Couldn’t Save My Father-in-Law from Cancer” To be honest, my acquaintance with Shenlanbao began under unpleasant circumstances. At the end of 2017, our family went through a dark period. One day, my father-in-law suddenly fell ill and was diagnosed with late-stageafter a hospital visit. He had never purchased any commercial insurance, relying only on hisfrom Hubei province. Faced with exorbitant medical bills, thereimbursement was merely a drop in the bucket. Staring at the 200,000+ hospitalization bill, my wife and I broke into a cold sweat—this amount was nothing short of astronomical for an ordinary family. Truth be told, we had already borrowed from every relative and friend we could, but the money was still far from enough. With no other options, we turned to crowdfunding platforms, hoping to raise funds for his treatment. After submitting countless documents and refreshing thepage repeatedly, we finally breathed a sigh of relief when the fundraising page went live— At last, there was money to treat his illness… After a long wait, the crowdfunded money arrived. Though the amount was modest, itcovered the immediate hospitalization fees. But even with thesettled,required another substantial sum. By then, my father-in-law was already in thestages of. Without treatment, he would have only a year or two left. The doctor recommended some advanced, but after reviewing our maxed-out credit card bills, we ultimately opted for. Little did we know, this would become one of our biggest regrets in the years to follow. He passed away three years after the surgery. To this day, I am filled with guilt whenever I recall this incident. I often wonder: if we had been able to afford better treatment back then, could he have lived a couple more years? 2. “My Late Father-in-Law Saved My Life” Though unspoken, the inability to afford proper treatment for my father-in-law has haunted me ever since.It was during this time that I realized the importance of having funds set aside for medical expenses for myself and my family, which led me to explore insurance options.
Initially, I planned to research products online, but the more I looked into it, the more complex insurance seemed. I struggled to understand the terms, worried about making the wrong choice, and feared being misled by sales tactics. By chance, I came across an insurance article shared by a friend on social media, published by Shenlan Bao. To my surprise, the content was easy to understand, with engaging illustrations, so I followed their official account. Over time, I read more articles and gradually grasped the basics of insurance planning. I began purchasing products for myself and my family through Shenlan Bao, starting with million-yuan medical insurance, accident insurance, and eventually critical illness and life insurance. With my family now fully covered, I felt a sense of security. However, six years after purchasing the policies, I unexpectedly needed to use my critical illness insurance. In April of this year, during my annual workplace, the ultrasound technician noticed an unusual thyroid nodule and recommended further tests. The results showed a 5a risk level, with a 90% chance of thyroid cancer. I was shocked. Last year’s showed no signs of nodules, and I had no symptoms. How could it progress so severely in just a year? Reflecting on the results, I realized my frequent late-night shifts as a police clerk might have contributed to the condition. Facing the harsh reality, I had to accept the diagnosis. The doctor advised a, but I hesitated for months, fearing risks and potential cancer progression. Encouraged by my family, I underwent the surgery in early September. Fortunately, my recovery was smooth, and I even joked that it felt like a “fake surgery.” The total cost was 25,000 yuan, with my out-of-pocket expense around 5,000 yuan. Although I had million-yuan medical insurance, it didn’t cover the amount below the 10,000-yuan deductible. However, my 2018 Kanghuibao critical illness policy covered as a critical illness. The process was seamless: I submitted the required documents on Monday, received approval by Friday, and the 400,000-yuan was deposited the next day.After everything settled, I was struck by a peculiar feeling—somehow, my father-in-law had saved my life.
This is a thank-you letter spanning seven years. Back in 2017, I had just started buying insurance, and few people around me actively purchased it. Now, whether colleagues or neighbors, everyone has begun buying insurance for themselves and their families. Awareness of insurance has truly grown stronger. Over the years, following Shenlan Bao, I’ve developed the habit of reading articles and learning about insurance. Even when busy, I save the articles to read later carefully. In these seven years, with Shenlan Bao’s guidance, I’ve grown from an insurance novice to someone who can properly equip my family with coverage. Even the claims process went smoothly, which is deeply moving. However, trading health for money is never worthwhile. If given the choice, I’d prefer my family’s insurance to remain unused. That said, the insurance payout gave me the confidence to choose better, more expensive treatments. This, I believe, is the true value of securing insurance for oneself and one’s family. When we received this seven-year thank-you letter, we felt sorrow for Mr. Ni’s father-in-law but also relief that his critical illness insurance became his safety net when it mattered most. The regret of lacking funds for treatment was avoided. During the interview, Mr. Ni mentioned he chose to share his story to help others understand the importance of insurance. His letter, filled with gratitude and regret, is profoundly genuine. Every reader’s letter is what we cherish most. Shenlan Bao has been demystifying insurance for eight years. We’ve seen too many deceived by unclear terms and families pushed to despair by medical costs. We strive to be excellent “insurance translators,” hoping our efforts help people make informed choices. Finally, we wish all our readers health, safety, and happiness. Note: Images and information provided by the involved party, published with permission.
