Xinhua News Agency, Beijing, May 3 (Reporter Tan Moxiao) The reporter learned from my country’s first mutual insurance agency, Zhonghui Property Mutual Insurance Agency, that the agency recently released the country’s first inclusive insurance plan for the elderly and chronically ill people in order to accept Health management of elderly patients with chronic diseases provides risk protection.
Mutual insurance does not aim to pursue short-term benefits and profit, but aims to provide risk protection for high-risk areas and low- and middle-income groups.
The medical expenses of the elderly with chronic diseases are under greater pressure, but traditional commercial insurance has higher requirements on the physical condition of the insured, and insurance products suitable for the elderly are insufficient.
The China Banking and Insurance Regulatory Commission recently issued a notice clearly requesting an increase in the upper limit of the insurance age to meet the insurance protection needs of senior citizens aged 70 and above.
According to reports, this exclusive inclusive insurance protection plan breaks through the difficulty of “not insuring” for chronically ill elderly people, and can provide critical illness hospitalization and special outpatient medical insurance for chronically ill elderly people under 100 years old, as well as medical insurance for specific malignant tumors. Such protections are implemented in Anhui, Shanxi, Guizhou and other places, with a maximum annual insurance amount of 300,000 yuan, and the premium is donated by the Beijing Aier Charity Foundation.
Li Jing, chairman of Zhonghui Mutual, said that unlike traditional commercial health insurance, this plan does not pay any unit or individual handling fees and commissions, and strictly controls operating costs. The annual balance will be returned as sickness allowance to maximize the use of resources. For the health protection and management of the elderly with chronic diseases.
Zhou Yanli, the former vice chairman of the China Insurance Regulatory Commission, believes that this exclusive inclusive insurance protection plan fills the "gap" in the protection of the elderly with chronic diseases and can effectively alleviate the burden of patients with serious illnesses and avoid poverty or return to poverty due to illness.