Vaccine demand is hot, appointment "long queue", vaccine compulsory liability insurance is coming
Our reporter Leng Cuihua
"There are two children in the family. I plan to give them flu vaccines this year. They have been'grabbing numbers' recently." On October 15, Beijing citizen Ms. Li told a reporter from the Securities Daily.
At present, while the new crown epidemic is still recurring, people are worried about the risk of autumn and winter diseases, and the demand for vaccines has increased significantly.
Demand for vaccines has increased significantly
In an interview with a reporter from Securities Daily, Mr. Yang, a Beijing citizen, said that on October 15 he took his child to a nearby community hospital for vaccinations and saw that the hospital began to line up at 8 o'clock in the morning, mainly two types of people. One is the elderly who are sick, and the other is the child who is vaccinated.
As the weather becomes colder day by day, the number of people who are sick has increased significantly, especially the elderly and children with weaker immune systems.
At the same time, in the current situation where the new crown epidemic is still recurring, people hope to increase their resistance and prevent diseases. The demand for flu vaccines has increased significantly, and they have strong expectations for the launch of the new crown vaccine.
Ms. Li, who was interviewed above, said that there are two children in the family who are most afraid of mutual infection, so they must be vaccinated against flu.
Recently, she has been busy "grabbing numbers" on the APP every day, and has not yet successfully made an appointment for vaccination.
On October 11, Pang Xinghuo, deputy director of the Beijing Municipal Center for Disease Control and Prevention, said in an interview with CCTV that the demand for influenza vaccination in Beijing has increased significantly this year, and Beijing has also increased vaccine purchases to respond.
“The purchase volume of self-funded vaccines is twice that of last year, but it is delivered in batches, and the free vaccines have increased by 21% compared to last year.” Pang Xinghuo said, it is recommended that people with elderly and children at home get flu vaccines, especially The elderly and children are vaccinated against flu.
In addition to the obvious increase in demand for influenza vaccines, people are also paying close attention to news about the new crown vaccine.
Recently, the news that the new crown vaccine can be vaccinated has been hotly discussed in major WeChat groups. Although there is no authoritative news to release an official appointment channel, people have high expectations for the new crown vaccine and are also highly concerned about the safety of vaccination.
Vaccine quality issues will be covered by insurance
On October 12, the State Food and Drug Administration began to publicly solicit opinions on the "Management Measures for Vaccine Liability Compulsory Insurance". Once the management measures are officially implemented, my country will add another compulsory insurance category.
The "Administrative Measures" pointed out that the compulsory vaccine liability insurance refers to the insurance whose subject matter is the insurance that the holder of the vaccine marketing license shall be liable for damages to the victim due to vaccine quality problems.
“It’s not common for the victim to suffer damage due to vaccine quality problems, but once a problem occurs, it will have a great impact, with the characteristics of low frequency and high loss.” Li Hui, head of the liability insurance department of Changan Liability Insurance Company, accepted the Securities Daily "The reporter said in an interview that if vaccine quality problems occur, relevant companies may face huge compensation and may be unable to bear the burden. Compulsory vaccine liability insurance can effectively transfer compensation risks, reduce the burden on enterprises, and provide adequate financial compensation for vaccine recipients. Guaranteed.
In addition, the insurer will establish a risk evaluation and risk management system mechanism, and increase market-oriented risk management methods for vaccine production and sales units.
She also emphasized that despite the insurance mechanism, vaccine development companies still need to strictly implement the "People's Republic of China Vaccine Management Law", and related companies need to bear corresponding legal responsibilities when vaccine quality problems occur.
Li Hui said that based on preliminary estimates of domestic vaccination demand in recent years, after the implementation of mandatory vaccine liability insurance, the industry's incremental premium market will be about several hundred million yuan.
Chen Jingtao, Director of Special Industry Risk of Annta Insurance, said that in recent years, insurance companies have developed different protection schemes for vaccine products, including personal health insurance, accident insurance and liability insurance.
Although there are diversified insurance products in the market, the actual insurance percentage is not high.
She said that this aspect is related to market demand; on the other hand, it is also related to risk prevention and management. With the introduction of the "Administrative Measures", it will improve the risk management and insurance awareness of domestic vaccine research and development and production companies.
Chen Jingtao believes that the "Administrative Measures" focus on the characteristics of liability risks in the industry, clarify guarantee responsibilities, and clarify the circumstances under which vaccine liability insurance will not be compensated, including abnormal vaccination reactions, vaccination accidents, and vaccine quality problems caused by third parties. , And because the vaccine marketing license holder deliberately violated the law and caused the quality of the vaccine.
“Clearly defines the boundary of protection, points out the direction for insurers, and allows the risk of vaccine marketing license holders to be more accurately covered.” Chen Jingtao said that this allows insurance companies to reduce the operational difficulty in the practice process and improve The level of risk management for vaccines allows vaccine liability insurance to better perform its hedging function.
(Securities Daily)