Core data: health insurance premium income; Compensation expenditure
Panoramic carding of the industrial chain of health insurance industry: there are many participants in each link
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.
Comprehensive insurance companies engaged in health insurance business include: China Life Insurance, China Ping An, China Taiping, Sunshine Insurance, etc. Professional insurance companies include Zhongan Insurance, Anxin Insurance, Taikang Online and Yi 'an Insurance. Professional health insurance companies include CPIC Allianz, Ping An Health, Kunlun Health and PICC Health. In the field of marketing and sales, traditional insurance intermediaries include Mingya insurance brokers and Pan-China insurance services. Internet insurance intermediaries/platforms include Alipay, Micro Insurance, Duobao Fish, Baocha, Shuidi Mall, Bao Aiyun and other representative enterprises in the industrial chain as follows:
Regional heat map of health insurance industry chain: covering the whole country.
Judging from the regional distribution of health insurance industry chain enterprises in China, health insurance industry chain enterprises are distributed all over the country, with dense distribution in Guangdong, Shandong, Hubei and Jiangsu.
From the distribution of enterprises engaged in health insurance business, there are many registered enterprises in Beijing and Shanghai. For example, there are 3 1 health insurance companies registered in Beijing. Such as China Life Insurance, Xinhua Life Insurance, Taikang Life Insurance, PICC Life Insurance, China Post Life Insurance, Tianan Life Insurance, PICC Health Insurance, Kangjun Life Insurance, Agricultural Bank of China Life Insurance, Renren Insurance, CITIC Prudential, China-Italy Life Insurance, Ying Da Taihe, Minsheng Life Insurance, Zhongrong Life Insurance, BOC Samsung, Taikang Pension, China-UK Life Insurance, Happiness Life Insurance, Great Wall Life Insurance, Hongkang Life Insurance, Huatai Life Insurance, Mei Xin Mutual Life Insurance and Caring Life Insurance. Secondly, the city with more registration places is Shanghai, 18, as shown below.
Regional status of health insurance business data
—— Distribution map of health insurance premium income: the largest in Guangdong Province.
Due to the obvious interregional economic effect, the development level of health insurance in economically developed areas is much higher than that in economically backward areas. In 2020, among different provinces and cities, the premium income of health insurance in Guangdong Province, the highest region, was 69.4 billion yuan, and the premium income in Guangdong, Shandong, Jiangsu, Henan and Beijing accounted for 35.07% of the national premium income.
—— Depth density of health insurance: Beijing has the highest insurance depth and Heilongjiang has the highest insurance density.
The premium income of health insurance in the region and the local economic level directly determine the insurance depth of the changed region, thus determining the insurance depth of health insurance. In 2020, the insurance depth in Heilongjiang Province will be 1.69%, ranking first among all provinces and cities in China. Insurance density is not only related to health insurance premium income, but also depends on regional population. In 2020, Beijing ranked first in the country with a medical insurance density of 2 1 10.25 yuan per person.
Health insurance company operation: China Life Insurance and China Ping An Life Insurance Company of China are in the first echelon of the industry.
In 2020, in terms of health insurance, China Life Insurance and China Ping An Life Insurance Company of China will be in the first echelon of the industry in terms of premium income and compensation expenditure, which are much higher than other insurance companies. The premium income and compensation expenses of the top ten insurance companies are as follows:
Note: Enterprises in the statistics are listed companies that have published relevant capacity/output data, and listed companies that have not published specific capacity/output data are not included in the statistics.
The latest investment and financing trend of health insurance industry: focusing on the field of insurance technology
Since 2020, the investment and financing layout of enterprises in the health insurance industry has mainly focused on the insurance technology field in insurance marketing, policy claims and other processes. The latest investment and financing trends of some representative enterprises are as follows:
—— The above data refer to the Analysis Report on Market Foresight and Investment Strategic Planning of China Health Insurance Industry by Forward-looking Industry Research Institute.