Huang Hong, vice chairman of the China Insurance Regulatory Commission, once said that there is still a big gap between China's health insurance industry and the growing medical security needs of the people. China's health insurance accounts for only 8% of total premiums. Accounted for 40%. This also proves a huge room for growth in health insurance.
According to the data, in the next few years, the average annual growth rate of health insurance is expected to reach more than 25%. By 2020, the national health insurance premium income will reach 600 billion yuan. At the same time, health insurance will enter the period of high-speed growth and rapid development of strategic opportunities under the instigation of tax policy leverage, and continue to maintain the strongest vitality and fastest growth rate in the insurance industry, gradually narrowing the gap between property insurance and life insurance. It has become one of the three business segments alongside property and insurance and life insurance.
"Insurance policy + health management" into a new model of health insurance growth
Internet medical + insurance cooperation will bring the next round of industry rapid growth
In the future, health insurance will adopt “insurance policy + medical health service†as the development model, improve the future growth rate of new orders and new single structure improvement expectations, and rely on the “healthy China†national strategy to form the next round of Internet medical and innovative medical enterprises. The climax of insurance cooperation.
As an important reference system, commercial health insurance companies in the United States offer a wide variety of products, mainly in medical insurance, disability income loss insurance and long-term care insurance, which are rich in comprehensive content. For example, medical insurance includes not only hospitalization, emergency, prescription drugs, dentistry, ophthalmology, physical examination and immunization, but also mental health and home care. The business model of the US commercial health insurance industry is dominated by managed care, which mainly includes health maintenance organizations (HMOs), priority medical service organizations (PPOs), point-of-sale service plans (POS), and proprietary provider organizations (EPOs).
In contrast, there is still much room for improvement in the design of insurance products in China, and insurance companies need more partners.
With the improvement of new doctors into the deep water area, from 2012 to the present, the government has continuously thrown out “good signalsâ€, and there are fewer and fewer obstacles to cooperation between Internet medical care and innovative medical companies and insurance.
Taikang Online Launch
“Looking for a new Chinese medical policyâ€
2016 medical health + insurance cooperation program collection activities
Established in November 2015, Taikang Online is the full name of Taikang Online Property Insurance Co., Ltd., a wholly-owned subsidiary of Taikang Life Insurance Co., Ltd., and the first Internet insurance company initiated by a large Chinese insurance company. On August 22, 2000, Taikang Online was officially opened and began to operate the Internet insurance business. After more than ten years of exploration and accumulation, it gradually grew into an industry-leading Internet insurance brand. Now Taikang Online has won the Internet Property Insurance License. Achieved a combination of life and life. Since its inception, Taikang Online has actively cooperated with major Internet companies to continuously innovate from products, scenarios and experiences, and has provided online insurance services to more than 100 million users.
Taikang Online and Arterial Network jointly launched this event, with the main purpose of strengthening the in-depth cooperation between innovative medical and health companies and insurance companies, opening up cooperation windows in a more open, inclusive and efficient manner, focusing on connecting innovative medical and health enterprises and promoting business between the two parties. Innovate, explore and practice, and find a “new medical policy†that is in line with the development trend of the Chinese market.
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