More than 40 cities are competing to become "net celebrities" in the health insurance field
How can "Huiminbao" go further?
Reporter Pan Fuda
"Huiminbao" has recently become a hot topic in the society. Since September, such products have been launched in Shanxi Province, Fujian Province, Anhui Province, Beijing and other places. "Huiminbao" has become the hottest "website" in the health insurance field. red".
The reporter recently interviewed a number of industry insiders and learned that the positioning of Huiminbao as an inclusive commercial supplementary medical insurance is worthy of recognition, but it is not suitable for all consumers. Individuals should fully understand the protection and claims content before applying for insurance.
At the same time, insurance companies should also pay attention to risk management and control, so that the "Huimin Insurance" project can better continue to operate.
What features?
The premium is less than 100 yuan and the threshold is low
The so-called "Benefit People's Insurance" refers to a supplementary medical insurance system for major and serious diseases established on the basis of social medical insurance with "government-led, commercial insurance underwriting, voluntary insurance, and multi-channel financing".
The Shenzhen Supplementary Medical Insurance for Major and Critical Diseases launched on June 1, 2015 is my country's first "Benefiting People Insurance" product.
In recent years, more than 40 cities have successively implemented "Human Insurance" projects, and more than 10 cities have launched related products intensively in the past two months.
Throughout the various types of "Human Insurance" products that have been launched, the premiums are concentrated below 100 yuan: Fujian’s first provincial inclusive supplementary medical insurance "Eight Min Insurance" has a premium of 69 yuan, "Jixiang Insurance-Shaoyang Huimin" "Guarantee" and Guangzhou's "Huimin Insurance" are only 49 yuan.
In comparison, the top-selling million-dollar medical insurance on the market has an insured amount of 4 million to 6 million yuan, which is two or three times the insured amount of the "Benefit Insurance", but the premium often ranges from a few hundred to a few thousand yuan. .
The health notifications of Huiminbao products in various cities are quite relaxed. From the perspective of the content of the insurance, the scope of claims is mainly concentrated in two aspects: the personal pay part after reimbursement by medical insurance and critical illness insurance, and special medicines for more than a dozen major diseases section.
However, it should be noted that according to the "Insurance Instructions" of many products, although users can apply for insurance with illness, there will be an agreement about pre-existing conditions in the terms. If you have malignant tumors or cardiovascular and cerebrovascular diseases before applying for insurance, the relevant treatment Expenses are not reimbursable, and can be reimbursed if you suffer from other diseases.
Buy it or not?
You have to choose the insurance that suits you
With the central government's emphasis on the medical security system, health insurance such as "Human Insurance" has become a new field for insurance companies to "enclose the market."
The relationship between "Huiminbao" and Million Medical Insurance has always been the focus of heated discussion in the market. There are opinions in the industry that "Huiminbao" has grabbed the cake of other health insurances.
It is understood that although "Hueiminbao" can meet the requirements of "secondary reimbursement" on the basis of medical insurance, it can also reimburse some special medicines outside of medical insurance, but insurance practitioners reminded that due to its inclusive nature, Relative to the million-dollar medical insurance, which has a higher threshold, it is still slightly insufficient. For example, the deductible is relatively high, and some high-end equipment, targeted drugs, and imported drugs cannot be reimbursed.
Business staff of many insurance companies also reminded that "Huiminbao" cannot replace the million-dollar medical insurance. Consumers can configure more comprehensive insurance products according to their own conditions. They cannot "buy with their eyes closed because of the low price of "Huiminbao". It is necessary to fully understand various matters of insurance and claim settlement.
An insider of an insurance company who had participated in the product design of "Huiminbao" told reporters that commercial insurance products on the market have limitations in covering the population. For those who are sick and cannot be notified through health, and those who are over 60 years old and do not meet the insurance requirements For those who want to buy commercial insurance but don't have much budget, "Huiminbao" products are a good choice.
Many insurance industry insiders said that there is no strict competition between Huimin Insurance and Million Medical Insurance, but two products launched to meet the protection needs of different groups of people. Both are medical insurance supply-side reforms. The representative products are all born under the protection needs of consumers, and they also play an important role in building a multi-level medical security system.
How far do you go?
Insurers' compensation pressure becomes a challenge
Public data shows that, as of now, more than 40 cities in my country have successively implemented "Human Insurance", covering more than 16 million people.
However, the low price and age-free characteristics of "Huiminbao" have brought challenges to the later cost control of insurance products.
The reporter has learned that insurance companies generally adhere to the principle of "guarantee meager profits" in Huimin insurance, and are even willing to take the risk of "minor losses".
"The project is basically not profitable, even if it loses money, it has to be done." An insider of an insurance company participating in the "Huiminbao" project admitted frankly that insurance companies pay more attention to attracting traffic for secondary conversion sales and participating in the government than making money. Leading or guiding projects are also conducive to enhancing consumer trust.
"Theoretically speaking,'Benefit People Insurance' is a good thing that benefits the country and the people, but it must be considered that this product may cause illnesses to be insured, and those who are not sick are not to be invested." Wang Xujin, director of the Insurance Research Center of Beijing Technology and Business University It points out a major pain point of the "Huiminbao" product.
He suggested that in order for the "Human Insurance" product to continue to operate, insurers should be alert to the drawbacks of insurance with illness and reasonably regulate the scope of the insured person's illness.
In terms of reducing the probability of risk, some insurers’ joint health platforms have taken actions.
The reporter noticed that, for example, "Huiminbao" in some cities such as Beijing provides a number of value-added services such as discounted drug purchases, chronic disease management, online consultations, and green channels for critical illness clinics, hoping to effectively control the incidence of disease or the development progress. Provide assistance to the insured to reduce actual medical expenses.