the commercial health insurance industry will issue new supporting policy documents, and the industry will gradually enrich and diversify health protection needs
2024-10-05
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the development direction and path of the commercial health insurance industry will become clearer.
recently, the heads of relevant departments and bureaus of the state administration of financial supervision and administration stated at a press conference of the state council information office that they will follow the "several opinions of the state council on strengthening supervision and preventing risks to promote high-quality development of the insurance industry" (hereinafter referred to as the "several opinions" or the new "national ten articles"), and issued supporting policy documents for commercial health insurance. the overall consideration is to further clarify the development direction and path of commercial health insurance in the future, expand the service population, service fields, and service methods to meet the diverse health protection needs of the people.
from an industry perspective, some insurance companies continue to make efforts in product coverage, health management services, and one-stop settlement. zhu yougang, secretary of the party committee and chairman of ping an health insurance, told the paper that the new national ten articles make comprehensive arrangements for the reform and development of the insurance industry, pointing out the direction for improving the quality and efficiency of the insurance industry in serving the real economy and promoting high-quality development of the industry. the company continues to explore expanding health insurance coverage. in addition to focusing on the special groups of "the elderly and the small", it also launches specialized products for new citizen groups, small and micro groups, etc.
shu siqin, a non-bank analyst at sinolink securities, pointed out in a research report that the new "national ten regulations" clearly put forward the main line of strengthening supervision, preventing risks, and promoting high-quality development. the industry competition pattern is expected to further improve, which will benefit large insurance companies. in addition, various development-promoting measures are also expected to be launched soon, covering commercial health insurance, pension insurance, auto insurance, etc., to help the long-term healthy development of the industry.
founder securities’ research report believes that commercial health insurance is expanding drug coverage, increasing compensation for innovative drugs, promoting the upgrading of health management services, providing growth momentum for the innovative drug market, and conducive to the expansion of innovative drugs. in the future, the development of commercial health insurance will pay more attention to the connection with basic medical security. especially in the top-level design of the national medical system, the important role of commercial health insurance as a supplement is clarified.
it can be seen that with the development of economy and society, people's awareness of their own health protection has been continuously strengthened, and the integration between commercial health insurance and medical health services has gradually deepened. for commercial health insurance companies, integrating medical and health services into the main insurance business can not only meet the needs of the people, but also promote the transformation and development of the industry towards high quality.
the person in charge of the relevant departments of the state administration of financial supervision pointed out that they will actively promote inter-departmental communication and collaboration, in terms of data interconnection, promote the coordinated development of commercial health insurance and medical insurance, medical care, and medicine, open up data blockages and information stuck points, and jointly promote cross-industry cross-department information interconnection and linkage empowerment make product pricing more scientific and accurate. in terms of medical and health big data applications, one-stop settlement of commercial health insurance medical expenses is realized, allowing data to travel more, allowing customers to travel less errands, and making insurance claims more convenient.
in september this year, ruihua health insurance launched an ecological innovative cooperation model of mutual empowerment of "insurance + community + nursing" in shanghai, exploring the business logic of "community customization" of health insurance. ruihua health insurance attempts to integrate primary medical service resources and commercial health insurance through innovative cooperation, and give full play to the advantages of digital platforms and ai technology. this plan provides services to residents in street areas, especially those at high risk of alzheimer's disease among the elderly. the family provides multi-faceted and multi-level health care.
zhu yougang said that ping an health insurance is exploring a new development model under the two-wheel drive strategy of "health insurance + medical services" with its own characteristics, relying on the resources and advantages of ping an group to integrate the "three arrivals" of online, in-store and home services. medical and health service resources, create a "sharp knife" service of "family doctor" + "medical accompaniment + hospitalization accompaniment + compensation three days after discharge", providing customers with a one-stop health solution that "saves worry, time, and money" plan to protect people’s health and well-being.
data disclosed by the state administration of financial supervision shows that in the past five years, commercial health insurance has paid a total of 1.7 trillion yuan in economic compensation for sick people. to date, the insurance industry has accumulated more than 2.3 trillion yuan in long-term health insurance liability reserves, becoming a solid reserve and guarantee for customers' future medical health.
the paper reporter hu zhiting
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