Hot capital "Waste security" is worth buying it
newspaper reporter in swimming Li Chenyang
Recently, a Beijing citizen-oriented "Beijing Hui Bao" formally launched. As long as Beijing social basic medical insurance per insured, irrespective of age and profession, not physical health, medical and health do not need to inform. Unified premium price of 79 yuan per year. From the protection perspective, "Beijing Hui Bao" includes up to 1 million yuan inpatient medical care and medicines up to one million yuan high specific safeguards. Such Pratt & Whitney supplementary medical insurance products in the industry commonly known as "Huimin Bao", Pratt & Whitney and strong, low insurance threshold, and high security efforts quickly became popular in the past five years. Currently, more than 100 cities in China have their own "Waste security."
"Huimin guarantee" can quickly become explosion models, the most direct driving factor is the high amount of premiums subsistence allowances, short-term medical insurance and supplementary medical insurance is in "play" of innovative products. For example, Nanjing "Waste insurance" premium 49 yuan per year, Chengdu, "Rong Hui Bao" premium 59 yuan a year. September, Taikang and many other insurance companies jointly launched the 360 city Vibro, the minimum age is 19 yuan premium, the maximum age insurance premium is only 199 yuan. And lower premiums Correspondingly, "Waste guarantee" product sum insured up to 100 million yuan in some cities up to 300 million yuan. And in recent years, millions of consumers eager to buy medical insurance, although the insured amount can be up to four million to six million yuan, but the premium is often ranging from a few hundred dollars to several thousand dollars.
From the protection of the contents, "Waste guarantee" product range Claims cities focused on two aspects. First, the individual pays part of the health insurance and catastrophic insurance reimbursement, the second is part of a dozen special agents of major diseases. Compared with one million medical insurance, deleted or reduced hospitalization at their own expense, but retains a million insured; increased critical illness special drug reimbursement, some of the products as well as drug delivery service, and increase the payout ratio. This "one by one minus" so that the positioning "Waste Management guarantees" more clear, inclusive and more prominent.
In addition, part of the city "Waste Paul" also provides discount purchase of medicines, chronic disease management, online inquiry, severe illness outpatient green channel and many other value-added services, to effectively control the incidence of the disease or progress of development, reducing the probability of escape from danger and the actual medical expenses the insured has helped.
"Huimin guarantee" so obvious advantages, consumers can buy eyes closed? Bought "Waste guarantee" is not to give up one million medical insurance of it? Lead researcher Kaisa built by insurance brokers Zhao Yang think, think "Waste guarantee" not only concerned with premiums and insured, should focus on insurance claims and limit the terms of the product. From this perspective, "Waste guarantee" deficiencies remain. First, the insured must attend to the local social security insurance. Second, deductible and reimbursement set a certain threshold, most of the city's "Waste Paul" has $ 20,000 deductible threshold for reimbursement between 70-80%, social security reimbursement must be settled, or not a successful claim. Therefore, even if the vast majority of insured sick in hospital, is difficult to achieve because of the limited spending threshold after Medicare claims settlement. The third is "Waste Management guarantees" on the part of major anamnesis before the policyholder has exclusions, which also limits the scope of such insurance claims and insurance, objectively explain the "Waste Management Paul" is not for everyone.
In fact, the "Waste guarantee" continued to take the heat, but also inseparable from the policy level to encourage. Earlier this year issued "Opinions on deepening the reform of medical insurance system" proposed by 2030, fully completed basic medical insurance as the main underpinning medical assistance, supplementary medical insurance, commercial health insurance, charitable donations, medical mutual and common development medical security system. Internet insurance experts, the insurance broker Chamberlain believes, "Waste guarantee" as a supplement to Medicare, can be more balance between efficiency and equity. Given different ages, anamnesis crowd differentiated rates or payment standard, although it will increase the complexity of the product to a certain extent, but it can significantly improve the fairness of the product.
4 this year, silver China Insurance Regulatory Commission issued the "Notice on long-term care insurance products, rate adjustments related issues", by introducing a tariff adjustment mechanism to address institutional barriers that have plagued the development of medical insurance, clearly conveys encourage the development of positive signals long-term care insurance. Zhao Yang believes, can be expected, a lot of short-term medical insurance products will be one million transformation of long-term care insurance. Once the transformation of one million medical insurance, short-term medical insurance market gaps need to add new products. "Waste guarantee" just to fill this gap in the market.
reporter learned that, currently involved in "Waste insurance" products covered both Ping An Insurance, Pacific Insurance, China Life and other insurance firms established, there Changan insurance, East Wu Renshou, Beijing Life Insurance emerging insurance company. "Waste guarantee" appeal is evident.
Many industry insiders told the Economic Times reporter, the current "Huimin insurance" products are designed on a high convergence in the long term should be two improvements to enhance. One, the product reflects how regional characteristics. For relatively good health insurance policy, reimbursement and reimbursement ceiling areas are high, the burden of medical treatment in the health insurance directory masses relatively light, can focus outside of Medicare Supplemental Security. For outpatient reimbursement policy is relatively weak areas can focus in the supplement Medicare outpatient protection. Second, give full consideration to the sustainability of the business. Currently, insured group insurance groups "Huimin insurance" products in the elderly, sick and other body higher than expected, which would significantly increase the cost of payment products, it is easy to fall into the "compensation cost increases - up fees - off healthy body - jumped fee "cycle, affecting the sustainability of the business. In addition, for the year underwriting and serious illness of the insured, the following year guarantee is also important to consider how to continue.
"the insurance industry realized by Pratt & Whitney and the Medicare health insurance program data docking, better conditions for the development of differentiated security programs for different risk groups, the future trend is not uniform rate, but differentiated rates and the level of security programs. this can continue to benefit more policyholders. "Chamberlain said.
Author: Yu Yong Li Chenyang
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Source: Economic Times