Huimin insurance is popular because of its low premium, high insurance coverage and no age and health condition restrictions, especially its "lenient" attitude towards past diseases, and it has become the only commercial health insurance. According to the statistics of Fudan Development Research Institute, by the end of May, 20021,26 provinces in China had launched exclusive Huimin insurance, involving more than 140 insurance products. On June 30th, Qingdao Huimin Insurance "Qindao E-insurance" closed its insurance channel, and 2 1 1.3 million people participated in the insurance, with the participation rate reaching 23.7%.
Strictly speaking, Huimin insurance is a kind of "customized commercial medical insurance in the city", which is an insurance product designed by commercial insurance institutions according to the local medical insurance coverage, medical consumption level, economic development level and citizen insurance demand. Huimin insurance implements "one city, one policy" in various places, and there are differences in premiums, coverage, government participation and close integration with medical insurance in different cities. Even in the same city, there are many low-price competitions of Huimin insurance products. In May, 20021,the General Office of China Banking Regulatory Commission issued the Notice on Standardizing the Urban Customized Commercial Medical Insurance Business of Insurance Companies, which put forward several requirements for "Urban Customized Commercial Insurance". The first is commercial insurance, which should conform to the laws of commercial operation; Secondly, its coverage should be wide; Third, it should be sustainable.
Guided by Qingdao Medical Insurance Bureau and supervised by the Municipal Banking Insurance Regulatory Bureau, the inclusive medical insurance is tailored according to the actual supplementary medical conditions of Qingdao citizens. Both urban and rural residents participating in medical insurance in Qingdao can purchase Qindao e-insurance, including urban residents' medical insurance, employee medical insurance and the original new rural cooperative medical system. From July, 20021year, Qindao e-insurance benefits came into effect, and the guarantee date was until June 30, 2022. As a supplementary insurance for Qingdao's commercial health, "Qindao E-insurance", together with Qingdao's basic medical insurance, serious illness insurance, supplementary medical insurance, medical assistance, preferential insurance for poverty alleviation, and re-assistance for major diseases, has become an important part of Qingdao's multi-level medical security system.
At present, there are five insurance companies underwriting Qindao E-Insurance, namely China Renshou Qingdao Branch, Taikang Pension Insurance Co., Ltd. Qingdao Branch, Ping An Pension Insurance Co., Ltd. Qingdao Branch, Taiping Pension Insurance Co., Ltd. Qingdao Branch and China People's Health Insurance Co., Ltd. Qingdao Branch. The five insurance companies act as * * * to undertake the business risks of Qindao E-Insurance. Among them, China Life Insurance Qingdao Branch, as the main insurer, is responsible for leading the whole project under the guidance and supervision of Qingdao Medical Insurance Bureau, Yinbao Bureau and Finance Bureau.
Legal basis:
Article 10 of People's Republic of China (PRC) Social Insurance Law
Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.