Under the joint guidance of Shaanxi provincial government and China Banking Regulatory Commission, Shaanxi National Health Insurance underwritten by 15 insurance companies was officially launched. This kind of supplementary medical insurance is available to all regardless of age, health status, past medical history and occupation type. All medical insurance participants and new citizens in Shaanxi Province can search for universal medical insurance on Alipay and enter the ant insurance channel for insurance.
Shaanxi health universal insurance is a supplementary medical insurance closely linked with medical insurance, and the two complement each other. Medical insurance is only reimbursed according to a certain proportion in the medical insurance catalogue, and after deducting the deductible, the universal health insurance can supplement the reimbursement of the parts that are not reimbursed by medical insurance inside and outside the medical insurance catalogue, which can greatly reduce the pressure of medical expenses caused by major diseases.
Characteristics of health insurance:
1, actuarial technology
The pricing of health insurance products mainly considers the disease rate, disability rate and disease duration. The calculation of health insurance rate is based on the loss rate of insurance amount, and the unexpired liability reserve at the end of the year is generally paid according to a certain proportion of the premium income of the current year. In addition, waiting period, deductible, deductible, * * payment ratio, payment method and payment limit will also affect the final rate.
2. The particularity of operational risk
Health insurance deals with injury risk, and its influencing factors are far more complicated than life insurance, and adverse selection and moral hazard are more serious. In addition, the risk of health insurance also comes from medical service providers, and the quantity and price of medical services are largely determined by them, which is difficult for insurance companies to control as payers.