20 17 return health insurance was suspended.
The news came from a video claiming to be CCTV news. As mentioned in the video, many insurance companies are facing increasing capital risks because of the high-return payout ratio. Therefore, the China Insurance Regulatory Commission proposed that in the future, health insurance can neither return capital nor pay dividends. However, I logged into official website of the China Insurance Regulatory Commission and searched many times, and found that this information appeared in 2006, and the Measures for the Administration of Health Insurance was implemented on September 1 2006. Article 14 of Chapter III of the Measures clearly stipulates that medical insurance products and disease insurance products shall not include the responsibility of survival payment. At the same time, the CIRC also reserved a preparation period for adjustment, stipulating that products that do not meet the "Measures for the Administration of Health Insurance" will stop selling on New Year's Day in 2007. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
In other words, the returned health insurance withdrew from the market in 2007, and the news that 20 17 returned health insurance was stopped in the circle of friends was actually old news ten years ago.
Although the surrender of health insurance has been explicitly stopped, consumers can still buy and surrender new health insurance in the market and appear in the market in the form of various "combined insurance plans". This kind of insurance usually takes endowment insurance or universal insurance as the main risk, and then health insurance as the additional risk. The two products are bundled and sold into a health insurance with return function.
According to an insurance industry insider, the reason why insurance companies have always regarded such products as a selling point is because domestic people pay more attention to the saving function of insurance. In the refundable health insurance, if you pay 5,000 yuan a year, then 4,000 yuan is life and death compensation, and 1 1,000 yuan is health insurance compensation. However, during the period from 10 to the agreed period, the insurance amount to be returned to 100,000 is 4,000 yuan multiplied by the principal and interest of10.
At present, the health insurance products sold in the market are mainly divided into the above-mentioned "combined" health insurance and consumer health insurance. Many insurance companies in official website are consumer-oriented health insurance, with one-year insurance for critical illness or specific diseases as the main guarantee.
Insurance is not good for refund. Consumers can choose the appropriate health insurance according to their own needs. Some experts said: Consumer insurance is similar to auto insurance, although the guarantee time is short, but the premium is also low, which is more suitable for young people who have just entered the workplace and have a weak economic foundation. Young parents can also choose such insurance for children under 16. It is also a good choice for the elderly over 60 who cannot buy long-term health insurance to choose a certain type of specific disease insurance. At the same time, consumers are reminded that the premium of consumer health insurance increases with age, and its coverage is mostly within 60 years old. Consumers who buy this kind of insurance need to make long-term insurance plans. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
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Don't be blinded by the "stop selling wind" of health insurance in the circle of friends.
"In 20 17 years, all domestic health insurance products will be completely stopped, and the era of losing money without illness has ended." "Time is pressing, please contact me as soon as possible if you have insurance needs!" ...... Recently, many citizens' circle of friends has been screened by words such as "product suspension", "premium increase" and "act quickly". So, is this a gimmick, or is it really a good time to snap up and return health insurance? In this regard, the Insurance Regulatory Bureau said that the China Insurance Regulatory Commission has not recently issued a regulatory policy of "returning health insurance products are about to stop selling", and consumers should treat it rationally.
Is it true that refundable health insurance was stopped?
Recently, there has been a craze on the Internet, saying that the return of health insurance is about to stop selling. According to relevant reports, the sales of returned health insurance will be stopped soon after the implementation of Health Insurance Management Measures 20 17 to 1. Since then, all health insurance is consumer health insurance, and the era of losing money due to illness and returning home without illness is over ... "The article also attached a video of the media reporting the news. The breaking of this heavy news surprised many people.