Looking at the news, Shanghai HuhuiBao Commercial Supplementary Medical Insurance, the insurance took effect for 2 months (July 1, 2021 to September 17, 2021), 9 insurance companies lost a total of 128 million yuan, and the total premium collected was 850 million yuan.
Similar to Shanghai Huibao and Beijing Universal Health Insurance, shanghai huibao insurance and Beijing universal health insurance are commercial supplementary medical insurance that has been supported by the government and underwritten and settled by insurance companies in various regions in the past two years.
Although I knew that this type of insurance would definitely pay out various losses, the amount of 128 million was more than I expected.
Shanghai Huhui Insurance was launched in April this year, and the number of insured people was 7.39 million, and the participation rate was as high as 38.49%, setting a record for the highest number of insured people in the first year of [customized and inclusive] commercial medical insurance in Chinese cities.
The total premium collected by Shanghai Huhui Insurance is 850 million yuan, and the insurance has lost 128 million yuan in only 2 months after the insurance took effect, if it goes down at this rate, it is expected that 850 million yuan of premiums will be lost in a year.
Will the 9 insurance companies underwritten by Huhui Insurance be willing to make a loss-making transaction?
Of course not.
This kind of insurance is customized by local governments in combination with the medical insurance and medical conditions of the jurisdiction, the differences between each region are relatively large, there is no data in front, there is no experience, the product is not mature, there will be such a big loss as Shanghai, there will be other cities that can not be lost. Taking PICC as an example, Shanghai lost money, but Beijing and Guangzhou may have made money.
Of course, at this stage, insurance companies do this kind of inclusive commercial medical insurance, not to make much money (at the beginning can not make any money, at least for three or five years to be profitable), its purpose (at this stage) is mainly three:
Collect data.
Make up for the lack of health insurance.
Customer acquisition.
The status of inclusive medical insurance is, after all, commercial insurance.
Paying more, insurance companies are reluctant to do it, there is no sustainability.
Paying less is contrary to the principle of universal benefit and benefiting the people, and the government and the people are unwilling to do it.
When local governments first customized products to insurance companies, they had requirements for the loss ratio, such as 80%, 85%, and 90%.
Therefore, striking a balance between benefiting the people and sustainability is something that all parties will have to work together for years to come.
What will the Huimin Insurance products in various regions look like next year? Can I renew my policy? Will premiums rise? Will the product be adjusted? Will there be new requirements for insured persons?。。。 Everything is in the process of fumbling.
If you want to better solve the problem of expensive and difficult to see a doctor, you can't just point to Huimin Insurance, you must combine medical insurance, commercial medical insurance, especially high-end commercial medical insurance (special needs and medical resources of the International Department) - the current trend continues, Huimin Insurance has the potential to gradually replace millions of medical insurance.
The advertising short film "The Last Transfer of Datang Mobei", when I first watched it 2 years ago, I was very moved, tears and snot rushing, why moved? I don't know.
Looking at it again today, I found the reason: the resonance of inheritance.
Teacher O's commentary:
"[Cultural truth] is not first and foremost an idea, but a legacy.
Therefore, if we are philosophical pairs, it cannot be evaluated by right and wrong, but can only be considered by gains and losses.
Any cultural truth is not an absolute truth, so it is not entirely true.
In the dualistic concept, first of all, the concept cannot be opposed, if the error is deleted forever, then the right one does not exist, in fact, it becomes "lonely yin does not give birth, and the single yang does not last.". “
Finally, if you want to learn more about commercial medical insurance, welcome to chat.