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<script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{"tag":"share_1","bdSize":32,"bdCustomStyle":"http://ats.taiwan.cn/homepage2021/css/bgBdShare2021.css"}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://103.249.53.35/gate/big5/bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </div> </div> <div id="bdShareBtn"></div> </div>  </div> <div class="contentArea"> <div class=TRS_Editor><p align="justify">　　中新網10月12日電 “未富先老”、“因病返貧”成為當前社會普遍關注的問題。為解決老年人迫切的醫療保障需求，近日，華泰人壽開發了一款專屬於老年人的“銀發無憂醫療保險”創新型產品，在業內向高齡人群提供易發惡性腫瘤和原位癌雙重風險保障，同時還提供相應的惡性腫瘤或原位癌住院津貼保險金。</p> <table align="left" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td> <div id="adhzh" name="hzh">　　</div> </td> </tr> </tbody> </table> <p align="justify">　　據悉，老人癌症發病率高，保險公司認為風險大，所以針對老人專門設計的產品選擇就很少。針對老年人癌症保險難的痛點，華泰人壽推出“銀發無憂醫療保險”產品。據華泰人壽市場部產品經理吳佳玲介紹，在投保年齡上，“銀發無憂醫療保險”放寬至80周歲，50-80周歲老年每人平均可投保，最高可續保至100周歲，高齡不再是老年人無法享有保障的阻礙。此外，該款產品可以免體檢，只要如實告知健康問題，三高人群也可投保。</p> <p align="justify">　　醫療技術的進步帶來了癌症患者存活率的不斷提高，但對於一年幾十萬元的治療費用、康復理療費用和潛在的收入損失，很多癌症患者及家庭只能望洋興嘆。華泰人壽副總經理、總精算師丁昶介紹，“銀發無憂醫療保險”的最大特點就是保障全和保額足，計劃二涵蓋惡性腫瘤和原位癌，可享有最高100萬元醫療保障及2萬元的住院津貼保障，該保障的價格也相當親民，55歲有社保人群的計劃二的首年保費為1096.82元，相當於每天約3塊錢。</p> <p align="justify">　　該產品的特定門診醫療涵蓋化學療法、放射療法、腫瘤免疫療法、腫瘤內分泌療法、腫瘤靶向療法外，還涵蓋了尖端醫療技術，可報銷質子重離子治療費用的60%。</p> <p align="justify">　　華泰人壽保險公司是一家由國內外實力雄厚的金融保險集團和知名企業發起設立的全國性壽險公司，公司于2005年正式開業，總部設在北京，目前已經在全國開設了400余家分支機構和營業網點。近年來，華泰人壽以中高端客戶需求為導向，持續優化產品線，在產品線齊全的同時注重創新型產品和細分人群的產品開發。華泰與多家國內外知名再保險公司開展合作，依託股東美國安達集團先進的產品研發經驗，基於對客戶需求市場調研及大數據分析的基礎上，走專業化行銷路線，定位中高端人群，不斷為客戶提供優質的健康保障類產品，幫助客戶抵禦健康風險。</p> <p align="justify">　　丁昶表示，華泰人壽有著敢於改革創新的勇氣和躬身實踐的專注，善於以“新”破局，在產品上延續以往的優勢持續不斷創新。此次推出“銀發無憂醫療保險”產品正是秉承這一發展理念，打破老年人購買癌症保險的困境，讓最需要保險的人，買得到、買得起保險，讓保險更好地為百姓醫療提供幫助。</p></div> <div 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