Let "benefiting the people and protecting the people" bring more benefits to the people
2022-08-05
In recent years, with the advantages of low threshold and low premium, urban customized commercial medical insurance (commonly known as "Huimin insurance") has been welcomed by consumers. According to a research report, by the end of 2021, more than 20 provinces had launched more than 200 "Huimin insurance" products, and more than 100 million people participated in the insurance. Experts said that with the rapid development of business, "Huimin insurance" has also presented some new features, such as more refined products, expanded coverage, and better protection for new citizens. The CBRC and the people's Bank of China issued the notice on strengthening financial services for new citizens this year, which states that "insurance institutions are encouraged to strengthen cooperation with medical insurance departments, promote the effective connection between commercial health insurance and basic medical insurance, develop universal commercial health insurance products that are not linked to registered residence, and meet the multi-level and diversified health security needs of new citizens". Various localities have made many explorations and practices to make "benefiting the people and protecting the people" more beneficial. For example, under the guidance of the medical security department of Hunan Province, this year's "Changsha Huimin insurance" does not limit the applicant's registered residence, medical insurance location, age, occupation, etc. it is sufficient to provide relevant materials that can prove that the applicant has lived in Changsha City during the insurance period, so as to provide better protection for the "new citizens" living in Changsha City. "Huimin insurance has expanded the scope and depth of the medical insurance system, and added new content to the construction of a multi-level medical insurance system with basic medical insurance and major illness insurance for urban and rural residents as the main body, commercial insurance as the supplement, and medical assistance as the foundation." Ye Yanfei, head of the Policy Research Bureau of the China Banking and Insurance Regulatory Commission, said. However, experts also said that behind the rapid popularity of "Huimin insurance", there are also some potential risks, such as lack of business experience, insufficient risk control capability, uneven service level and weak sustainable service capability of some insurance companies. In June last year, the China Banking and Insurance Regulatory Commission issued the notice on regulating the urban customized commercial medical insurance business of insurance companies to regulate and guide the product business of "Huimin insurance". Then, what should be paid attention to when applying for "Huimin insurance"? Insiders pointed out that at present, the protection period of "Huimin insurance" products is mostly one year, and there is no guarantee of renewal. For consumers, they should consider configuring long-term medical insurance for themselves to avoid possible situations such as the suspension of local "Huimin insurance". In addition, "Huimin insurance" often has deductibles, drug restrictions, exclusions, etc., but in the marketing process, there are intentional concealment and misleading marketing, and consumers need to pay attention to prevention. Wang Xiangnan, deputy director of the insurance and economic development research center of the Chinese Academy of Social Sciences, told the reporter, "the 'benefit for the people' insurance is a supplement to meet the people's medical security needs. Consumers need to correctly understand its characteristics and clearly understand the level and scope of product protection before applying for insurance." What problems should be solved to realize the sustainable and healthy development of "benefiting the people and protecting the people"? Experts said that the business model, guarantee responsibility, rate level and value-added services of "Huimin insurance" are still being explored. The medical insurance department should steadily promote a standardized, efficient and safe data exchange and information sharing mechanism, accelerate the construction of a national unified medical security information platform, and explore
Edit：qihang Responsible editor：xinglan
Source：people.cn
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