Shin Kong Life Pioneers the "Major Illness Insurance × Genetic Testing" New Ecosystem: Proactive Health Management to Meet the Era of Precision Medicine | Latest News | Shin Kong Life Sustainability

Shin Kong Life Pioneers the "Major Illness Insurance × Genetic Testing" New Ecosystem: Proactive Health Management to Meet the Era of Precision Medicine

With the rapid development of precision medicine, genetic testing, and novel treatment technologies, modern people's health needs have gradually extended from post-disease treatment to disease risk identification, early prevention, and personalized health management. Passive protection that only pays out claims after illness occurs can no longer satisfy modern people's health needs moving toward proactive prevention. Therefore, Shin Kong Life has launched a brand-new comprehensive spillover-type insurance policy, the "Shin Kong Life Yi-Ka-An-Xin Major Illness Periodic Health Insurance" (hereinafter referred to as "Yi-Ka-An-Xin"). This is the industry's first innovative policy that perfectly combines major illness insurance with precision medicine genetic testing, assisting policyholders from awakening health awareness and cultivating health habits to transferring illness risks, thereby building a comprehensive protection network for super-advanced prevention.

According to the latest statistics from the Ministry of Health and Welfare, the number of people in Taiwan holding major illness certificates approaches 1.1 million, among whom those holding certificates for cancer exceed 500,000. As medical technology advances with each passing day, targeted therapies, cell therapies, and advanced radiation therapy can mostly be completed on an outpatient basis. Although patients do not need to be hospitalized, they may still face high out-of-pocket expenses. According to a survey by the Taiwan Cancer Foundation, the out-of-pocket medical expense ratio for cancer patients reaches 64%, with approximately 66% facing out-of-pocket drug burdens exceeding NT$300,000, and nearly a quarter of families even facing medical expenses exceeding NT$1 million.

Facing modern medical technology and the wave of out-of-pocket expenses, "Yi-Ka-An-Xin" transforms passive claims-upon-illness into proactive health management, constructing a new-era health protection network through three core mechanisms:

1. Precision Prevention: Free Choice of Disease Genetic Testing, Combining Insurance with Preventive Medicine

"Yi-Ka-An-Xin" pioneers the deep integration of major illness insurance with risk genetic testing, partnering with the "Chia Ho Health Group" to provide appointment testing and personalized health management service experiences through its Pulse Health official LINE health management platform. This product extends the scope of protection to preventive medicine. Policyholders can choose 1 high-end DNA decoding option tailored to their personal family history or health needs, targeting 9 major-illness-related categories common to men and women, such as common cancers, stroke, dementia, and diabetes. Through scientific guidance, policyholders can grasp their personal health codes early before latent crisis strikes. In addition, after completing the test, policyholders will receive exclusive health management item points every year, which not only implements preventive medicine but also lays the foundation for subsequent premium discounts, creating a dual value of "protection + prevention."

2. Comprehensive Protection: Pioneering Coverage for Aging Risks, Fully Protecting Health Needs

Facing exorbitant precision medical expenses, "Yi-Ka-An-Xin" covers one-time lump-sum payouts for 22 major categories and over 300 National Health Insurance major illnesses. It can instantly support expensive out-of-pocket expenses generated by novel treatments (such as targeted therapies, cell therapies, or advanced radiation therapy), weaving the most resilient health protection network for policyholders.

Furthermore, as Taiwan steps into a super-aged society, the risk of advanced aging is equally urgent and cannot be delayed. The prevalence rate of dementia among elderly people aged 65 and above in our country shows a doubling trend with age; the population aged 65 and above with dementia reached 350,000 in 2024 (113 ROC) and is projected to rapidly climb to 680,000 by 2041 (130 ROC). "Yi-Ka-An-Xin" is the industry's first insurance product that expands major illness protection to include two diseases: severe Alzheimer's disease and severe Parkinson's disease. It simultaneously covers the two major cognitive and mobility risks of advanced aging, adopting a comprehensive protection design with extreme depth and breadth to ensure that policyholders' family economies do not collapse overnight due to a major illness during the unknown journey of aging.

3. Routine-ization of Spillovers: Cultivating Policyholders' Health Habits, Health Rebates for Premium Discounts

Beyond pre-event prevention and post-event protection, Shin Kong Life strives even more to accompany policyholders in staying healthy into old age. "Yi-Ka-An-Xin" introduces a brand-new health spillover mechanism, closely linking daily routines with premium discounts. Policyholders not only receive health management item points every year upon completing genetic testing, but can also continuously accumulate points in daily life simply by reaching targets for walking steps or sleep duration. Point redemptions can enjoy a maximum premium discount of 3.5%. By rewarding with substantive feedback, it enhances policyholders' willingness to maintain regular routines and exercise, fosters habits, and fundamentally and proactively delays and reduces various disease risks, realizing the highest value of insurance safeguarding health.

Taking a 40-year-old male insuring "Yi-Ka-An-Xin" with a coverage amount of NT$1 million and a 20-year payment period as an example, the annual premium is NT$38,400. This grants him a health protection network interwoven by the three major cores of precision prevention, comprehensive protection, and routine-ized spillover. It allows Shin Kong Life to transform into a health consultant, accompanying policyholders' every step forward with greater confidence through "Yi-Ka-An-Xin."

Facing the rapid transformation of social structure and medical technology, Shin Kong Life will continue to promote forward-looking product research and development, dedicating itself to constructing a health ecosystem ranging from preventive medicine to geriatric long-term care. It aims to become the warmest health guardian in every policyholder's life journey, stepping hand in hand with the public into a graceful and secure golden age living. (For more information, please visit the official website:Shin Kong Life Pioneers "Major Illness Insurance × Genetic Testing" New Ecosystem: Proactive Health Management to Meet the Era of Precision Medicine.)