The core data of this paper: the scale of premium; Pay the fee; Insurance depth and density; industrial concentration
General situation of industry
1, definition: an important supplement to the medical insurance system
Health insurance is a kind of personal insurance that takes people's health as the insurance object and ensures that the insured can get compensation for direct expenses or indirect losses caused by diseases or accidents. Its essence is a financing way to solve medical expenses payment, and it is an insurance business with high risk protection and high management level requirements. It is also an important supplement to the current medical insurance system in China.
2. Industrial chain analysis: the industrial chain is long.
Compared with the traditional health insurance industry chain, in the innovative industry chain, there are more participants who are mainly insurance intermediaries and TPA, the services provided by enterprises are more refined, and the income sources of various industrial roles are more abundant.
Development course of the industry: the industry entered the stage of specialized operation.
From the characteristics of industry development, many factors have promoted the development of domestic health insurance market. Driven by urbanization, the potential medical security needs of residents are of great significance to the development of commercial health insurance in China. With the deepening of China's social security system reform, commercial health insurance plays an increasingly important role in improving China's multi-level medical security system and meeting the growing health security needs of the people. From the early years, its development has gone through the stages of germination (before 1994), initial development (1994- 1998), rapid development (1998-2004) and specialized operation (from 2004 to now).
Industry policy background: the upgrading of policy supervision promotes the gradual standardization of the industry and encourages the innovation of products, technologies and services.
From the function and function, health insurance has become an important part of the national multi-level medical security system, and it is also an important field for the insurance industry to serve people's livelihood. With the promulgation of a series of policy documents, such as "Management Measures for Health Insurance" and "Outline of Healthy China 2030 Plan", the development of health insurance in China has ushered in a comprehensive, standardized, healthy and innovative development.
Since the establishment of the China Banking Insurance Regulatory Commission, the supervision of the insurance industry has been upgraded. Policies have been intensively introduced to strictly supervise the product setting, sales links and operation supervision of the insurance industry and promote the innovation of insurance companies. And make full use of new ideas, new thinking and new technologies, actively explore new products, new channels and new models, and accelerate the formation of new formats and new impetus for the development of insurance industry with innovation as the main body.