Good quality and affordable price? How can we continue to 'benefit the people' through our welfare insurance?
2023-07-06
"At only 88 yuan a year, you can get more than 3 million yuan of security" "No age, no occupation, no registered residence registration, no health status"... Recently, many places have launched the 2023 annual benefit insurance, causing widespread concern. Since the pilot launch of the first welfare insurance product in Shenzhen in 2015, this type of customized commercial medical insurance in cities has blossomed in many places due to its advantages of affordable prices, low participation threshold, and high protection. After its launch, Huimin Insurance has gained more and more favor from citizens. "For just one cup of milk tea, you can buy a million yuan level medical insurance, it's really fragrant. However, when Huimin Insurance is booming, the potential risks and hidden dangers, such as the high age of the insured, the low participation rate, and the Adverse selection problem, are also increasingly causing the market to worry about its sustainable development. Product upgrade and guarantee of increased benefits for residents are supplementary medical insurance products guided by relevant local government departments, operated commercially by insurance companies, and voluntarily insured by residents. "In general, the security responsibility of Huimin Insurance is mainly divided into the security of Out-of-pocket expense expenses within the basic medical insurance directory and the security of self paid medical expenses outside the medical insurance directory." Zhu Minglai, director of the Health Economy and Medical Security Research Center of Nankai University, said. In March of this year, the center, in collaboration with Yuanxin Huibao, released the "Research Report on the Development Model of Huimin Insurance" (hereinafter referred to as the "Report"). As of the end of December last year, a total of 246 Huimin Insurance products were launched nationwide, with a cumulative premium scale of about 32 billion yuan. The total number of insured participants has reached 298 million, covering 29 provinces and more than 150 regions. The reporter sorted out the 2023 version of welfare insurance products launched in Shanghai, Shenzhen, Chengdu and other places and found that this year, these places have generally undergone iterative upgrades to their products. Among them, in 2023, the premium of "Shanghai Huibao" will remain unchanged at 129 yuan, and the guarantee will be upgraded. The basic deductible will be reduced from 20000 yuan/year last year to 16000 yuan/year. The number of domestic specific high-value drugs will increase to 36, covering 28 diseases, and they can also enjoy the drug rights and interests of two COVID-19 drugs beyond the designated medical insurance at a discount of 97%. Chengdu "Huirong Insurance" has added a fully funded overseas specific high drug cost guarantee while maintaining a constant premium of 59 yuan; For continuous insured individuals, the annual cumulative minimum payment line for self paid medical expenses within the scope of medical insurance has been reduced to 8000 yuan, and the annual cumulative minimum payment line for self paid medical expenses for individuals outside the scope of medical insurance has been reduced to 13000 yuan; The reimbursement proportion of self funded medical expenses for individuals outside the scope of medical insurance has been increased to 30%. Although the premium of Shenzhen Huimin Insurance has increased from 39 yuan to 88 yuan, the security has been constantly upgraded. The proportion of secondary reimbursement of basic medical insurance has increased to 80%. The security of hospitalization, outpatient high medical expenses, Rare disease high priced self paid special drugs and other security has been added. At the same time, we provide six value-added health services for free, including cancer early screening, decocting traditional Chinese medicine, health assessment, image and text consultation, health live streaming, and disease assessment. The low participation rate and high risk of Adverse selection cause concern that as a universal medical insurance product, Huimin Insurance is very popular. Not long ago, Mr. Zhang, a citizen of Shenzhen, used the balance in his personal medical insurance account to purchase welfare insurance for a family of old and young people. "Both the elderly and children can participate in the insurance, so he can directly withdraw from his personal account
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：Worker Daily
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