Cathay Life's 'Jingzhi Guardian' Sells Over 15,000 Policies in 3 Months; Cathay Insurance Launches Taiwan's First Electric Mobility Aid Insurance

As Taiwan enters a super-aged society, medical protection and asset planning for the elderly have become market focal points. Cathay Financial Holding (2882-TW), together with its five subsidiary companies, participated in the 'Senior Health Industry Expo' and announced multiple innovative senior financial services. Cathay Life launched the 'Jingzhi Guardian Specific Disease Term Insurance (Spillover Type)', introducing the first-ever 'Degeneration Medical Account'—providing immediate payout upon mild cognitive impairment—and sold 15,000 policies within three months of launch. Meanwhile, Cathay Insurance introduced Taiwan's first electric mobility aid insurance and a traffic risk map, actively building a one-stop protective network for seniors encompassing health management, travel safety, and fraud-prevention financial planning.

Regarding senior healthcare and protection products, Cathay Life Vice President Liu Ming-Da stated that the company recently launched the 'Jingzhi Guardian' insurance, specifically targeting bodily degeneration. It covers degenerative diseases of the eyes, heart, joints, and spine, and offers immediate payout for mild dementia (CDR 1 point) and staged payout for severe dementia. Within three months of launch, approximately 15,000 policies were sold, receiving strong market response.

Cathay Life ranked first in health insurance and spillover policy performance in the first half of the year. While past spillover policies mainly used premium discount mechanisms, Cathay is now exploring more diversified health incentive models, with specific details to be announced later. Liu emphasized that Cathay is actively building a health ecosystem—the platform service is not limited to policyholders. The 'Dementia Screening' tool has been available for two to three years, and in June this year, the 'Osteoporosis Self-Check' feature was launched on the app, accessible even without purchasing a policy.

Cathay Life's 'Senior Series' (e.g., Le Kang Ai) allows policyholders up to age 80, setting a new industry high. In the long term, further extending the upper age limit and developing senior-exclusive products remains a goal, though balancing risk control and incidence rate accuracy is still required.

Cathay Insurance Senior Vice President Weng Cui-Liu introduced Taiwan's first personal electric mobility aid insurance, responding to the super-aged society where over 20% of the population is aged 65 or above, increasing demand for electric wheelchairs and mobility scooters. This policy has no driving age restrictions and covers vehicle damage (repair costs from NT$10,000 to NT$30,000) and third-party liability insurance, with annual premiums ranging from approximately NT$1,000 to over NT$3,000. Policy numbers are steadily growing.

Additionally, Cathay Insurance integrated traffic safety data from the Ministry of Transportation, transforming scattered accident data into a 'Traffic Risk Map' showing hotspots within 500 meters and 2 kilometers. Beyond existing campus risk protections, it is currently being promoted to long-term care and day-care centers, helping seniors identify accident-prone areas and rear-end collision danger zones before going out.

Cathay Financial, collaborating with its five subsidiaries, created the 'Cathay Playground,' running from now until August 9 at Taipei World Trade Center Hall 1. Cathay United Bank promotes 'Annuity Trust,' managing medical and care expenses through trust accounts. By Q2 2026, the number of beneficiaries had surpassed 46,000. On-site, the Cathay Intelligent Assistant 'Ah Fa' and anti-fraud games are featured.

Cathay Securities noted that users aged 61 and above participating in regular investment plans grew twofold between 2021 and 2025. The exhibition area features an 'Investment Stacking Game' to debunk common scam tactics. Cathay Asset Management promotes a 'dual-core strategy' combining passive and active investing through flagship products 'Cathay Sustainable High Dividend (00878-TW)' and 'Active Cathay Dynamic High Yield (00400A-TW).' The final subscription date for 00878's Q3 dividend is August 17. Daily ETF financial seminars are held on-site to help individuals plan high-quality retirement lives early.