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.
2. Economic environment: the improvement of the national economic level drives the demand to upgrade.
With the continuous development of China's social economy, people's living standards and quality of life have gradually improved. From 20 13 to 2020, the income of urban and rural residents will increase steadily and rapidly. In 2022, the per capita disposable income of the national residents was 36,883 yuan, a nominal increase of 5.0% over the previous year, and a real increase of 2.9% after deducting the price factor. Among them, the per capita disposable income of urban residents was 49,283 yuan, a nominal increase of 3.9% year-on-year, and a real increase of 1.9% after deducting the price factor. The per capita disposable income of rural residents was 20 133 yuan, a nominal increase of 6.3% year-on-year, and a real increase of 4.2% after deducting the price factor.
With the increase of per capita disposable income, residents' demand for health insurance has changed to diversification and personalization, such as improving medical experience and optimizing medical quality.
3. Social environment: With the arrival of a deeply aging society, the demand for health insurance will increase.
In recent years, the proportion of population aged 15-64 in China has been declining, and the proportion of population aged 65 and over has increased year by year. The problem of population aging is increasing, and the rigid demand of the elderly for medical care, rehabilitation care and other services is increasing. For patients with chronic diseases, the direct disease burden caused by long-term examination and dispensing and the indirect disease burden caused by chronic diseases are also high. Only relying on the support of social medical security, it is still difficult to get rid of the state of "poverty caused by illness and returning to poverty due to illness", which is particularly prominent among rural residents. In today's aging society, the number of people suffering from chronic diseases will increase. Therefore, China's commercial insurance companies can seize this opportunity to develop health insurance products suitable for this group of people, especially disease-related insurance, with broad industry prospects.
4. Technical environment: the technology is gradually mature, laying the foundation for the innovation of health insurance industry.
With the maturity of big data, artificial intelligence, cloud computing, Internet of Things, blockchain and other technologies, emerging technologies are gradually infiltrating into health insurance business processes and various scenarios. Technology is applied to product design, marketing and sales, underwriting claims, medical and health services, and provides support for the innovation of health insurance industry. But the application of various technologies in different links is still being explored. Among them, cloud computing is deeply integrated with health insurance as a basic technology, followed by big data and artificial intelligence technology, and the combination with Internet of Things and blockchain technology is still in its early stage.
5. The background environment of health insurance industry is favorable, and its future development can be expected.
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.