According to the statistics of the Shanghai Insurance Association, January to July this year, Shanghai's short-term insurance business college premium income 890,000,000 yuan, an increase of 14 percent, lagging behind the overall growth of life insurance. Short-term insurance business college to medical insurance, employee benefit plan is an important part of the basic medical insurance is also an effective complement. Reporter survey found that the impact of short-risk missions faster growth factors, in addition to the insurance companies to raise awareness of the unhappy, but also to short-term insurance products corporation "homogenization", it is difficult to meet the demand, the need for high-end medical risk groups to rescue the market Relevant.
Pay-for-service health insurance payments
In recent years, medical costs rise far faster than the speed of people's income growth rate, the existing social health insurance has been difficult for most people to meet the demand for health care. Yinbingzhipin the situation occurred, the high price of medical information are not uncommon. As a result, a growing number of investors willing to buy a commercial enterprise supplementary medical insurance groups to help employees out of the high cost of health care pressures.
Group health insurance for more than one-year short-term, comprehensive coverage of outpatient, hospital and emergency medical expenses, insurance belong to the consumer. Employees as a result of an accident or disease, and in the designated hospitals for outpatient, or emergency hospital treatment, the insurance company for the insured to pay health insurance took place within the framework of reasonable and must bear the medical expenses, according to the proportion of payment.
It is understood that the group health insurance paid by the ratio determined in consultation with insurance companies, insurance companies will provide a range of choices for enterprises. Such as Pacific Life ratio is given for the payment of 50% -90%, and Italy's Life benefit ratio of 70% -100%. The ratio of payments impact of factors deductible and rate products. The higher the degree of deductible, the higher the proportion of payment; to increase the proportion of payments, then the product is to raise rates.
And individual health insurance, group medical insurance terms is relatively easy. Insurance, group insurance must participate in the local community have health insurance, full-time post in the official proportion of insured workers must meet certain percentage, and there is a minimum since the number of security restrictions.
Hinder the development of similar products
In recent years, the group health insurance market, an increasing number of competitors. First, on January 1, 2003 amendments to the "insurance law" to expand the scope of the property insurance business, allowing it to operate short-term health insurance and accident insurance business. Then, on December 11, 2004, according to the China WTO commitments to open foreign markets risk missions; January 12, 2005, the first insurance corporation to operate the Sino-British life insurance joint venture with 3 Chinese companies signed the insurance corporation Policy.
Today, the mission of the Shanghai insurance market competitors have been more than 50, but the group health insurance products has not changed much, and the continuation of traditional life insurance products of the same high level of features. Various insurance groups Medical Insurance major difference in the deductible, the proportion of payments, since the number of security and so on, but the product coverage and most of the similar modus operandi.
Hong Kong enterprises, a finance director said that the domestic insurance companies to provide medical product liability insurance and basic social medical insurance is no different, although to some extent alleviate the pressure on the part of the staff of its own, but the basic medical insurance other than medicines, medical equipment and means very little涉及. Many insurance companies do not even have to develop related products.
A Chinese-funded life insurance companies mission of the Department said that the domestic insurance products are "cloning" very quickly originally thought that foreign products be able to achieve a breakthrough, many did not expect the joint venture is also a copy of domestic products. Now, the new group medical insurance require door-to-door salesman selling as much as possible to avoid being the industry's piracy.
Opened the gap between high-end products
It is learned that China Life and Pacific Life Insurance have launched a managed group medical insurance products. China Life, "added group medical insurance (fund-based)", "management of funds entrusted to" the function of insurance for three years. Insurance premiums charged after deducting only a certain percentage of management fees, insurance until the end of the period, the account balance will go back to the insured. The insurance period, the payment of self-insured patient, out-patient medical expenses, the ratio of payments can be set flexibly according to business needs, and not subject to basic social medical insurance coverage.
People's Insurance health insurance corporation LU Xin Bin, deputy general manager of the Department said that in the field of commercial insurance, there is no security risk of not only clients can not afford the premium. Professional health insurance companies to develop a number of high-end group health insurance products, including covering the import of medicines, medical equipment, medical insurance costs, rates than the general level of health insurance are much higher.
This year, the corporation's insurance business appears to shrink, it is learned that Shanghai Bao Jianju is actively exploring solutions. High-end products group medical insurance is a watershed in the competition, with every single business of higher premium income, can be dangerous mission to elevate the scale of business. While other insurance companies will soon be able to reproduce the same products, it is subject to the risk management and operation of the fund's ability to carry out their business will inevitably bind hands.
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