Checkup – Family insurance comparison and pitfalls

Help new parents and office workers see the whole family's coverage side by side, with the traps marked

Problem

Multiple users ask for help: one with a newborn faces competing products pitched on short-video platforms, and reviews are mixed so they don't know what to pick. Another household with employer coverage wants to understand critical-illness, million-yuan medical, and how to insure aging parents, and what a reasonable yearly spend is. Product terms and reviews are scattered and ad-heavy, with no neutral family-level view.

Solution

A non-selling family coverage planner: enter household members and existing policies, compare key terms (waiting period, deductible, reimbursement scope) across mainstream products, flag common 'looks covered but rarely pays' pitfalls in plain language, and suggest an annual budget.

Users

Young families with a new child or planning to buy insurance, office workers planning coverage for parents

MVP

A hand-curated clause database for 20–30 common products; household coverage checklist; side-by-side key-term comparison; a common-pitfalls section; annual spend estimate; no selling or commissions

Revenue

Free basic comparison plus a subscription for a custom planning report; or compliant referral revenue to independent advisors (handle carefully)

Why now

Insurance decisions are shifting from referrals to online research, the new-parent segment keeps growing, and neutral Chinese tools are scarce; structured data is enough to start without a license