Iterative pursuit of sustainable development through "benefiting the people and ensuring social security"
2023-05-22
Inclusive medical insurance plays an indispensable role in China's multi-level medical security system. Recently, multiple cities such as Shanghai, Shenzhen, Nanning, and Chengdu have successively launched the 2023 version of "Huimin Bao", upgrading their products. Among them, products from multiple regions have expanded their protection responsibilities, reduced deductibles, expanded insurance coverage, and innovatively added medical insurance account balances and digital RMB payment methods to attract people to purchase insurance. How is the development status of "benefiting the people" so far? What are the future development trends? What are the prospects for sustainable development of "benefiting the people" in the future? With these questions in mind, the reporter conducted an interview. When it comes to "welfare insurance" with low prices, low thresholds, and high guarantees, the most intuitive impression among the public is that it is affordable: a few tens of yuan premium, millions of yuan coverage, and almost no insurance restrictions. As a type of inclusive supplementary medical insurance, "Huimin Insurance" plays an important role in serving social development. Its low price, low threshold, and high guarantee characteristics effectively reduce the high medical burden of residents on and off the medical insurance list, and also provide higher level medical expense reimbursement ratios for insured individuals, effectively filling the gap in the multi-level medical security system. The report of the 20th National Congress of the Communist Party of China proposes to promote the orderly connection of multi-level medical security, improve the system of serious illness insurance and medical assistance, implement settlement for medical treatment in different places, establish a long-term nursing insurance system, and actively develop commercial medical insurance. This puts forward specific requirements for further promoting the high-quality development of medical security. With the continuous improvement of people's living standards, the total expenditure on medical expenses is increasing year by year, but the proportion of commercial insurance expenditure in the total expenditure has always been small, and its role is insufficient. According to data from the Ministry of Finance, China's healthcare expenditure in 2022 reached 2254.2 billion yuan, an increase of 17.8% compared to the previous year. However, the individual self funded burden of China's national medical expenses is still relatively heavy, laying the foundation for the explosive growth of commercial medical insurance. Since 2020, from the top-level design of the central government to specific measures in various regions, the development of supplementary medical insurance and commercial health insurance has been regarded as the main means of establishing a multi-level social security system, and "benefiting the people" has emerged in the context of the times. After nearly two years of rapid growth, it has now become an important component of China's multi-level medical security system. According to incomplete statistics, as of the end of 2022, the "Benefiting People's Insurance" has now covered 29 provinces. The "Huimin Insurance" covers 298 million people, with over 80 insurance companies operating a total of 263 products. Among them, the "Benefiting the People" project with the longest operating time has been implemented in Shenzhen for 8 years. At present, the 'Huimin Insurance' business has covered the vast majority of provinces and cities, and the market has entered a period of stable development, entering the stage of project deepening and refined operation and management, "said the person in charge of Sunshine Property and Casualty Insurance. Looking back on these years, the reason why "Huimin Insurance" has been able to develop rapidly in a short period of time is closely related to its universality. According to the relevant person in charge of the People's Insurance Group of China, "Huimin Insurance" has a low price and a premium of less than a quarter of that of a million yuan medical insurance. However, its coverage is basically the same as that of a million yuan medical insurance. It is aimed at basic medical insurance participants, with no age, occupation restrictions, and no need for health notification
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：economic dairy
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