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Original title: The homogeneity of Huiminbao begins
New Express News reporter Liu Weikui reported that in recent years, Huiminbao products have started to spread rapidly in many cities across the country due to the characteristics of low insurance premiums, low thresholds, and high insurance coverage. regional development and doubts about sustainability. To benefit the people and the long-term operational development of Minbao, recent representatives from the National People’s Congress and CPPCC members have made suggestions on Huiminbao-related issues, which aim to promote the development of high-quality personalized health insurance. urban. and also trigger industry concerns about profits A new round of discussions on the status and prospects of civil security development.
The data shows that as of January 20, 2021, the Huimin Insurance was launched in 24 provinces, municipalities and autonomous regions across the country, covering more than 25 million people who have basic health insurance. In January of this year, Snail Insurance released the “In-Depth Analysis Report on Individuals Insurance Benefit in One Hundred Cities”, which noted that current individual insurance benefits are very different across regions, showing the characteristics of more in the east and less in the west and more in the south and less in the north. The participation rate is not high, most cities are only 1% to 15%. Homogenization is beginning to appear, with more than two similar products appearing in more than a dozen cities such as Suzhou and Fuzhou. Furthermore, pretending to be the name of the government’s guide, the business problem that can cause illnesses to insure and cause high risk of compensation has made the outside world worry about the sustainability of its development.
In response to the uneven development of the regions protected by the Huimin production, the representatives of the National People’s Congress,China Pacific InsuranceZhou Yanfang, deputy general manager of Life Insurance Shanghai Branch, suggested that the healthy and long-term development of Huiminbao should adhere to the sustainability principle of inclusive finance, build a mechanism to reconcile public and private interests, and form an interactive pattern of joint construction. . governance and sharing. It is necessary to avoid blind launching of projects in some areas, which can lead to high selling costs and underperforming collateral, which can pose risks to continued operations.
In response to Huiminbao’s serious homogeneity and other problems, Zhou Yanfang proposed to issue relevant documents to regulate the development of Huiminbao’s business. Starting from serving the security of people’s livelihoods, strengthening sustainable operations and developing professional services, we have issued normative documents. First, it is necessary to clarify the qualification standards of the participating entities, based on the operating requirements of long-term health insurance and critical illness insurance, and establish the entry threshold for industry entities. Second, improve the access and exit mechanism, formulate medium and long-term plans and designs, and establish an annual project evaluation system. The coordination and guidance functions of the Medical Insurance Office, the Health Commission and the Banking and Insurance Regulatory Commission should be clarified to benefit people’s insurance companies, and the administrative limits and the system of evaluation of policy performance in the institutional framework.
As the main executive body of Huimin Insurance, insurance companies determine whether products can be promoted sustainably and continue to expand. At present, to seize the market, insurance companies in various places have a crude product design and serious homogeneity, which does not highlight the city Differences and characteristics. In this regard, Zhou Yanli, a member of the National Committee of the Chinese People’s Political Consultative Conference and former vice chairman of the China Insurance Regulatory Commission, suggested that insurance companies should overcome short-term behaviors, achieve long-term goals and move on. Disease types improve medical treatment, increase the list of drugs and diagnostic and treatment items, effectively reduce the burden of medical expenses for critically ill patients, and improve the efficiency of the use of medical resources. Also, in the same city, try to launch only one Huiminbao product in the same period to avoid fierce competition in the industry and confusion of consumer choices.
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Editor in Charge: Zhang Zhengjun
