From the perspective of insurance, health insurance is the second largest part of personal insurance. During February 2022 1-65438+, the personal insurance income was 3.42 trillion, accounting for 73% of the total income. Among them, life insurance income was 2.45 trillion yuan, accounting for 52% of premium income; The income from health insurance was 865.48 billion yuan, accounting for 18%.
2. Scale of premium and payment fee
-Scale of premium: the epidemic accelerated health insurance coverage.
According to the data of China Banking Regulatory Commission, the original premium income of health insurance has increased year by year from 20 12 to 202 1 year, and health insurance has become an important part of building a multi-level social medical security system in China. To a great extent, it makes up for the shortage of basic medical insurance. In 2022, the premium income has reached 865.296 billion yuan, of which the growth rate of health insurance premium was relatively fast before 20 16. However, due to the short-term products stipulated in document No.76 of 20 16 and the quick return products restricted by document No.2017, the growth rate of health insurance income slowed down, and universal insurance and investment-linked products were linked. The outbreak of COVID-19 epidemic from June 5438 to October 2020/KLOC-0 promoted people's understanding of health insurance.
In 2022, the premium income of health insurance decreased year-on-year. Apart from the insufficient demand in the external market, there are also factors such as the reduction of internal innovation potential. On the one hand, the outbreak of Huimin insurance products has a certain crowding-out effect on high-end medical insurance; On the other hand, in August, 2022, the supervision issued the Circular on the Problems and Related Risks in the Short-term Health Insurance Business of Some Property Insurance Companies, which completely stopped the "drug-to-insurance", resulting in a decline in health insurance premiums.
-Compensation costs: the supplementary protection of health insurance is insufficient.
20 12-202 1, the proportion of health insurance claims in China has increased rapidly. Since 20 12, the health insurance claims of China insurance companies have maintained a rapid growth of about 30%. Among the three types of life insurance, health insurance is the highest in payout ratio, followed by personal accident insurance, and life insurance is the lowest in payout ratio. Specifically, in 2022, the original insurance payment expenditure of health insurance in China was 360 billion yuan, down by 10.65% year-on-year, but its proportion in the total personal insurance payment continued to increase.
3. Per capita premium density and depth: compared with developed countries, it is still backward.
2011-In 2022, the density of health insurance in China is on the rise. 202 1 broke through 600 yuan, reaching 623.22 yuan/person. In 2022, there was a negative growth, and the health insurance density was 6 13.06 yuan/person, while in Germany and other countries with mature insurance markets, the insurance density was 2065433.
2011-In 2022, the depth of health insurance in China showed a fluctuating upward trend, and it was 0.72% in 2022, which was still at a low level.
For more research and analysis on this industry, please refer to the Analysis Report on Market Foresight and Investment Strategic Planning of China Health Insurance Industry by Forward-looking Industry Research Institute.