The new coronavirus epidemic brought everyone's fear of life disappearing. I remind everyone that in addition to this new epidemic, another topic: sudden death, which once caused the same anxiety in 2019.

For middle-income and high-net-worth individuals, when general diseases come, they can afford the cost of living. Even if they are seriously ill, they can still survive if they spend money. But they cannot afford to challenge the bottom line of life, especially suddenly unpredictable challenges.

The anxiety of the middle-class and high-net-worth population is an important demand. Market naturally needs to fulfil it, and it is necessary to identify the source of demand.

This article proposes three key areas to be guarded against:

1.  Sudden death

2. Advanced cancer

3. immunocompromised

To explain, accident is also a very important cause of sudden death, but it has nothing to do with health management, so it is not mentioned in this article.

1. Sudden death

2019 is the year in which the IT middle class and entrepreneurial circles have focused discussions on the issue of sudden death. Medically speaking, "sudden death" means that the overall systemic reserve of the heart and blood vessels is insufficient, and has been in an "overrun" for a long time, and then the camel is crushed by straw.

Solving direction:

 1. Enhance the reserve capacity of the heart and vascular system

 This belongs to the fields of sports, rehabilitation, health care, sports medical measurement. If the reserve capacity is strong, the work capacity will be strong, and the threshold for recognition of each straw will increase. In the long run, the work capacity and efficiency will increase significantly, which highlights the long-term competitiveness of strong reserve capacity.

 2. Discontinuous overruns and discontinuous pressing of straw

We can develop “Sudden Death Index” for projects that combine work and rest (timed reminders, appointment coaches and sparring companions, etc.), monitoring at any time (smart wearable devices), game development, etc., to gamify and visualize these items.

 3. Periodic inspection

 It is understood that the existing medical physical examination and monitoring methods can solve the problem of identifying whether the heart and vascular system are at risk of overspending (this is very important for middle and young people). Medical, insurance, health care, pension and other institutions can develop relevant inspection projects to serve relevant customer groups and escort the bottom line of customers' lives.

 General physical examination cannot detect reserve capacity, and such physical examination needs to be customized.

At the same time, the tolerance and definition of separate sudden death projects in general major illness insurance are not uniform (life insurance will be covered). Of course, it will not be covered in advance (for some customers, it can be used).

Therefore, for traditional insurance and medical institutions, we can consider how to strengthen the project to serve customers.

2. Advanced cancer

 As everyone knows, cancer is not terrible. Early detection and early treatment can touching the bottom line of primary life. The point here is early detection.

The elements needed for early detection:

1. Improve the detection level

Domestic advanced hospitals and research institutes, and Japanese early screening services are relatively mature. It is recommended to popularize relevant early screening services with customers and configure related financial risk tools.

Medical, insurance, tourism, asset management and other institutions have advantages.

2. Increase detection frequency

In order to detect early, it is necessary to increase the detection frequency, so personalized supporting high-end early screening and health management services are also market demands.

 3. Weak immunity

 A new coronavirus epidemic awakened the public's awareness of immunity's ability to save lives. How to improve immunity is a big issue. Our thinking is still the same, similar to the sudden death index, we can develop visualization, gamification, and stimulate the participation of immune index products.

So how to improve immunity? In fact, it is very simple. Just like to keep healthy, do the four dimensions often said. Tony's old friends should be familiar with:

 1. Get enough sleep

 2. Balanced nutrition

 3. Proper exercise

 4. Optimistic mentality

Each of these items can be split into products.