讀後心得

Medical expenses for individuals aged 65 and older account for 41.7% of total medical expenditures. As age increases, the demand for medical care rises, and the lack of coverage can lead to financial pressure. AnDa Life Insurance suggests that a comprehensive medical insurance plan should be established, incorporating surgical insurance and cancer insurance to ensure a stable and worry-free retirement life. Their products, such as "Surgical Safety Lifetime Health Insurance" and "Annual Cancer Health Insurance Rider," provide a wide range and depth of coverage for various medical needs, emphasizing the need to enhance medical subsidies for the elderly to address the medical challenges faced after retirement.

Medical expenses for individuals aged 65 and over account for 41.7% of total healthcare expenditures. After retirement, we all hope to enjoy our second life to the fullest, but as we age, the demand for healthcare continues to rise. Without comprehensive medical insurance, one may face a heavy burden of medical expenses. Therefore, the advantages of surgical insurance and cancer insurance should be leveraged to establish a comprehensive and in-depth medical protection plan that provides a strong safety net after retirement, alleviating the financial burden on families and allowing for a more relaxed and worry-free retirement life.

As age increases, bodily functions gradually decline, making health more susceptible to impact, which raises the proportion of medical expenses in daily expenditures. According to statistics, in 2023, the population aged 65 and over accounts for approximately 18.35% of Taiwan's total population, yet their medical expenses amount to a staggering 41.7% of total healthcare expenditures. This shows that the medical needs and cost burden of the elderly are significantly higher than that of the younger population. Additionally, lacking support from company group insurance after retirement feels like fighting alone against significant medical expenses, which may lead to financial pressure. Therefore, establishing comprehensive medical protection as early as possible is crucial to ensuring the safety and quality of retirement life.

When planning for retirement medical insurance, assessments should be conducted from two aspects: "breadth" and "depth" to ensure that various medical needs receive appropriate coverage. For instance, "Surgical Safety Lifetime Health Insurance" can provide extensive surgical and medical coverage; this can be complemented with the "Annual Regular Anti-Cancer Health Insurance Rider" and the "Cancer Da Vinci Surgery Medical Add-On Clause" to provide deeper coverage for cancer treatment needs, thereby comprehensively enhancing the protective power against cancer.

"Surgical Safety" offers multi-layered medical protection for insurance products, including surgery medical insurance benefits, trauma suturing provisions, and eye medical insurance benefits, to meet modern expectations for eye health protection due to prolonged use of electronic devices. Furthermore, this product particularly enhances medical material subsidy coverage, incorporating the most commonly used medical materials by the public, such as artificial lenses, specific artificial joints, and cardiovascular stents, totaling eight items, to ensure the insured receives appropriate medical support. Specifically targeting insured individuals aged 60 and above, the amount of medical material subsidy coverage has increased from 35 times to 60 times, significantly strengthening medical protection after retirement.

After ensuring the breadth of coverage, further thought should be given to the "depth" of medical protection, especially targeting cancer treatments that may take a long time and incur high costs. The "Annual Regular Anti-Cancer Health Insurance Rider" provides corresponding claims based on the different stages of cancer, with a simple and understandable application process, and offers additional coverage for common cancers such as prostate cancer in males and breast cancer in females; additionally, the "Cancer Da Vinci Surgery Medical Add-On Clause" is specifically designed for Da Vinci surgeries, allowing insured individuals to confidently choose advanced surgical techniques to improve treatment outcomes and quality of life.