“Why does critical illness insurance cost only 5,000 yuan annually for others, while I have to pay 8,000?”
“Different platforms claim to offer high-value critical illness insurance, yet prices vary by hundreds or even thousands. Which one is truly cost-effective?” Have you ever encountered or worried about these frustrating questions? Critical illness insurance is the cornerstone of family protection. However, with premiums spanning 20-30 years and costing thousands or even tens of thousands annually, choosing the wrong or overpriced policy could waste tens of thousands of hard-earned money. What’s more frustrating is the long-standing lack of transparency in the insurance industry: complex and confusing terms, rapid product updates, and significant price disparities… For ordinary consumers, finding a high-value product feels nearly impossible. Since 2016, we’ve been committed to bridging the information gap through insurance education and product evaluations. To achieve this, we’ve pioneered several industry-first initiatives: – First to use visual comparison tables for clear product and price comparisons. – Developed the “Shenlanbao FPM Disease Definition Database” from scratch to assess the leniency or strictness of critical illness definitions, earning national intellectual property recognition. – Created the “Shenlan MODEL” evaluation tool after 26 iterations to help users analyze products from an actuarial perspective. – Continuously updated the “Shenlanbao Gold List” monthly for over 5 years, refining 192 evaluation criteria to rigorously select the best insurance products. To date, Shenlanbao has served over 1 million clients through 1v1 insurance planning. Yet, we continue to ask: How can we better help you find cost-effective, tailored insurance? After extensive refinement, we’ve decided to challenge another industry frontier— Shenlanbao officially launches the “Critical Illness Insurance Price Guarantee” service! This is a legally binding commitment stamped with our corporate seal. Without exaggeration, this may be the first time in the insurance industry that a company backs its promise with real financial compensation. Important note: Starting July 15, the price guarantee period for critical illness insurance has been adjusted from “3 years” to “1 year.” You’re likely curious about how to participate and the specifics of the guarantee. Below, we’ll explain in detail. 1. What does “Price Guarantee for Critical Illness Insurance” mean? It’s similar to a “price protection” promise on shopping platforms. If you purchase long-term critical illness insurance through Shenlanbao and find an identical product at a lower price within one year, we’ll refund you 3 times the first-year price difference!To clarify, let’s break it down into the following three questions:
1. Who is eligible for the ‘Price Match Guarantee’ service? Customers who purchase long-term critical illness insurance through Shenlan Bao on or after July 15, 2025, will enjoy the Price Match Guarantee service for 1 year. [For policies purchased between February 10, 2025 (inclusive) and July 14, 2025, the service will be valid for 3 years.] Note: – ‘Purchase through Shenlan Bao’ refers to buying critical illness insurance via a Shenlan Bao planner. Self-service orders are not eligible. – ‘Long-term critical illness insurance’ refers to policies with a coverage period of ≥10 years. 2. Under what circumstances can the ‘Price Match Compensation’ be triggered? Eligible customers can apply for compensation if, within 1 year of the policy’s effective date (after the cooling-off period), they find another long-term critical illness product with similar coverage but at a lower price from a legitimate channel. What constitutes ‘similar coverage’? In short: – Product type must match: e.g., multiple claims vs. multiple claims, single claim vs. single claim, pure critical illness vs. pure critical illness, etc. – Coverage must be identical: same benefits, sum insured, coverage duration, payment terms, etc. – Insured and policyholder details must match: same age calculation, underwriting results (standard, excluded, etc.). Refer to the ‘Similar Coverage’ evaluation criteria table for details. For further questions, contact your dedicated planner. 3. How much compensation can be claimed? If the above conditions are met, the compensation is 3 times the difference in the first-year premium between the new and old products. Example: If the recommended high-value critical illness insurance costs ¥5,000/year and a similar product elsewhere costs ¥4,500/year, the refund would be: (¥5,000 – ¥4,500) × 3 = ¥1,500. Compensation will be disbursed as a one-time cash payment within 5 working days after approval. II. What gives Shenlan Bao the confidence to offer a ‘Price Match Guarantee’? Long-time customers may recall that since 2016, we have been publishing insurance reviews to highlight the best products and expose hidden pitfalls in the market. Nine years later, we continue to evaluate products across the industry, staying true to our user-first approach and recommending the most suitable, high-value insurance solutions. The difference is that our persistence has led to tangible progress and, which collectively form the foundation of our ‘Price Match Guarantee’ promise.1. We Have the Industry’s Top Content Team
Currently, Shenlanbao boasts over 150 full-time professionals dedicated to content creation. Without exaggeration, we are the largest and most resource-invested content team in the entire insurance industry. Our team includes a powerful expert panel, comprising professional actuaries, underwriting medical experts, claims specialists, legal experts, and social security specialists. Our experienced editors, most with over five years of insurance industry background, ensure the utmost professionalism in our evaluations. Every word and data point undergoes meticulous review by our dedicated audit team to guarantee the most accurate information for our audience. This setup enables us to swiftly and accurately evaluate products across the market, identifying the best and those with hidden flaws. 2. We Possess the Industry’s Most Extensive Evaluation Experience Since 2016, Shenlanbao has evaluated over 4,000 insurance products, achieving qualitative transformation through quantitative accumulation: Our Shenlanbao mini-program, which catalogs evaluated products, has become the most comprehensive product evaluation tool for end-users in the market. We have provided insurance product comparisons and educational services to 2.87 million users. Behind the scenes, we continuously refine our evaluation standards to ensure greater comprehensiveness and objectivity. Take critical illness insurance as an example: while most focus on coverage and price, we assess around 20 evaluation criteria, such as: – Whether its definitions of common diseases are more lenient or stringent compared to industry standards. – Its health declarations and underwriting conditions, and which diseases they favor. – The practicality of its new features from an actuarial perspective and whether they are priced fairly. Only after comprehensive evaluation do we conclude its suitability for specific users and highlight any considerations. 3. We Offer the Industry’s Premier Service Capabilities Shenlanbao now has 400 full-time planners, the largest online full-time advisory team in China, capable of professionally and promptly addressing every insurance need. Since 2020, we have customized 770,000 one-on-one insurance plans and facilitated premiums totaling 1.5 billion CNY. Behind these achievements lies the dedicated effort of each planner: In terms of communication alone, we have conducted over 1.15 million hours of one-on-one phone consultations and responded to more than 32 million online insurance inquiries. We believe that only by thoroughly understanding users can we truly tailor the most suitable insurance solutions for them.4. Our Unwavering Commitment
While the aforementioned aspects remain at the tactical level—where no one can claim perpetual market dominance—DeepLan Bao has one formidable moat: our unwavering commitment to sincerity and putting users first. Every word we write aims to help you avoid insurance pitfalls and find the right products for your needs. Every insurance plan recommended by our advisors is tailored to your requirements, offering cost-effective suggestions after comparing products across the market. Thus, our promise to refund the price difference for overpriced critical illness insurance is a natural extension of this philosophy. We have the expertise and experience to identify the most cost-effective products for you. We’ve received genuine trust and positive feedback, motivating us to continue this journey of mutual confidence. We recognize the trust deficit in the insurance industry and are committed to restoring its credibility, fostering greater trust and acceptance of insurance. 3. Frequently Asked Questions To address potential queries about this service, we’ve compiled the following FAQs: Q1: Is there a limit to the number of refund claims? For the same policy, only one refund is allowed within a year. However, there’s no limit per participant. For example, if one person holds five eligible policies, each can qualify for one refund. Q2: Can I still claim the service if my policy lapses? No. The service applies only to active policies; it terminates upon policy lapse. Q3: If I find a cheaper alternative (Product B) after purchasing Product A, must I buy Product B to claim the refund? No. Simply notify your DeepLan Bao advisor if you find a similarly covered but cheaper product on the market. Q4: Is there a minimum premium threshold for the service? No. Any eligible critical illness insurance, regardless of price, qualifies for the refund. There’s no minimum or maximum refund amount—whether it’s $1 or hundreds. For further details or procedural questions, consult your assigned advisor. 4. Closing Remarks This concludes DeepLan Bao’s “Price Difference Refund” service for critical illness insurance. We firmly believe: Insurance is a valuable tool, but historical information asymmetry has left consumers underserved—lacking proper education, quality products, and reliable services, eroding trust.Long-term trust in insurance is built by consistently delivering high-quality content, superior products, and service commitments that genuinely benefit consumers.
May hundreds of millions of families experience the warmth of insurance.
