The report shows that commercial health insurance accounts for a relatively small proportion, and social security still dominates.
It is reported that among the people who participated in this survey, 48% chose to rely on medical insurance to solve large medical expenses, and 33% relied on commercial health insurance. Among them, only 18.63% of the people aged 50-59 in the period of high incidence of serious illness took the initiative to participate in commercial health insurance except the medical insurance purchased by the company. When people with monthly income below 6,000 yuan are in urgent need of large medical expenses, the proportion of relying on medical insurance is the highest. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
Judging from the above data, the development level of commercial health insurance in China is still relatively low, and there is a big gap with some developed countries. Therefore, although commercial health insurance needs to be improved, it has broad prospects and great achievements.
Commercial health insurance is a powerful supplement to social medical insurance. Although the social medical insurance system is stepping up reform, there are still some limitations. At present, many original drugs with obvious curative effect and small side effects and imported drugs that have not passed the patent protection period are not in the medical insurance catalogue, and some medical expenses still need to be borne by patients themselves. At the same time, once you are seriously ill and want to go to some medical institutions with good conditions, and these hospitals are not designated hospitals for social security, the medical expenses incurred should also be borne by the patients themselves. If you only rely on medical insurance, then when medical insurance is not enough to support medical expenses, all medical expenses will become a serious burden for yourself and your family.
Viewing the development space of commercial health insurance from the new "National Ten Articles"
Although social medical insurance is still dominant at present, commercial health insurance is gradually playing a huge role in the social security system with its strong security advantages. The new "National Ten Articles" issued on 20 14 mentioned for the first time that commercial health insurance should play a "vital force" role in deepening the reform of medical and health system, developing health service industry and promoting economic upgrading, and clearly stipulated that commercial insurance should be made an important pillar of social security system. It will gradually become the main undertaker of personal and family business security plans, an important provider of old-age health security plans initiated by enterprises, and an active participant in the market-oriented operation of social insurance, so as to alleviate the problems of insufficient coverage, medical waste and inefficiency of domestic medical security.
In recent years, major insurance companies are also actively developing commercial health insurance suitable for Chinese people, and the insurance products have their own characteristics. For example, China Merchants Cigna, a Sino-US joint-venture insurance company, has launched a series of commercial health insurance, such as enjoying health and serious illness insurance, Le Kang worry-free return hospitalization medical insurance, and enjoying global high-end medical insurance. These products have strong pertinence, relatively comprehensive protection, convenient insurance and intimate additional services, which have received good response from policyholders. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Then in the future, I hope these insurance companies can make persistent efforts to introduce more and better products, contribute to the improvement and development of the social medical security system, and protect the health of the broad masses of the people!