[Explanation] According to the forecast of the National Health Commission, around 2035, China's elderly population aged 60 and above will exceed 400 million, entering a stage of severe aging.
Recently, Zhou Yanfang, a deputy to the National People's Congress and deputy general manager of Pacific Medical and Health Management Co., Ltd., said in an interview that as a representative from the front line of insurance, many of her proposals in recent years are related to promoting the deep integration of commercial insurance, pension and health management.
[Concurrent] Zhou Yanfang, deputy general manager of Pacific Medical and Health Management Co., Ltd.
This year I will focus more on the balanced development of the three pillars of the three-pillar system in the field of healthcare.
Because regardless of our pension funds, whether it is social security pension funds or medical insurance funds, in fact, in the long run, it will have relatively large financial pressure.
I want to bring out some suggestions around promoting the development of commercial health insurance and better promoting the combination of our insurance and health management services.
[Explanation] Zhou Yanfang said that the key to solving the problem of the third pillar of the pension is to solve the problem of the balance of financing and payment obligations among the individual, the employer and the government. Dealing with this point will help build a more complete and more reliable A guarantee system for sustainable development.
[Concurrent] Zhou Yanfang, deputy general manager of Pacific Medical and Health Management Co., Ltd.
Promoting the development of commercial health insurance is conducive to utilizing the payment of employers and individuals to build a supplementary medical security plan to reduce such a dependence on a pillar.
From the perspective of the future, I think the development of commercial health insurance is not enough, so we also learn from some international experience and what we have seen from our business practice. We hope to better support our company A development of a supplementary medical insurance plan for employees to promote the development of our commercial health insurance.
[Explanation] Zhou Yanfang proposed to combine disease prevention screening, medical services, postoperative rehabilitation care services, etc. with insurance, so as to gradually change the concept of big health development from "protecting disease" to "protecting health".
"
[Concurrent] Zhou Yanfang, deputy general manager of Pacific Medical and Health Management Co., Ltd.
In recent years, we have seen the development of "Huiminbao" in cities, including some inclusive medical insurance advocated by our country, which is also gradually helping to build a complete and perfect security system.
We also hope that we can better combine some services around disease prevention, screening, and some medical services, including postoperative rehabilitation care, with our insurance, so that the real solution is that we can revolve around insurance. To achieve a transformational development of our business through health rather than disease.
[Explanation] In Zhou Yanfang's view, the role of the insurance industry in the economy and society can be described by a vivid metaphor in the industry, that is, insurance is an economic "shock absorber" and a social "stabilizer".
In the two fields of pension and health management, it is believed that the insurance industry can develop innovative products with wider insurance liability, lower price and more complete coverage through precise analysis of needs and on the basis of controllable risks, so as to help solve the problem of pension and health management. national health issues.
Xie Mengyuan Xu Yinkang Yuzhan reports from Shanghai
Responsible editor: [Luo Pan]