Decision of the "head geese" of life insurance "head geese" great health strategy has evolved!

At present, with the advancement of the "Healthy China" strategy, as a commercial health insurance that is closely related to the health of the people, it has ushered in unprecedented development opportunities.

In 2022, the "Fourteenth Five -Year" National Health Plan issued by the General Office of the State Council once again made it clear, "Increasing the supply of commercial health insurance", encouraging the development of commercial health insurance, including encouraging product innovation, paying more attention to the advantages of commercial medical insurance, guiding commercial insurance Institutions improve the content of innovation guarantee and improve the level of guarantee and service.

How the insurance industry should better integrate into the "healthy China" strategy and help the country build a multi -level medical security system, which is also a new proposition thrown by the times to commercial insurance institutions.

In the past ten years, in the face of this grand historical test, China Life Insurance Co., Ltd. (hereinafter referred to as "China Life Insurance Company"), the "elder brother" of the life insurance market), has carried out in -depth thinking and thinking and in supporting "Healthy China" strategy. Innovative practice is undoubtedly the industry's reference value and benchmark significance.

Take the opportunity to explore the innovation model of political and business cooperation in the hosting of major illness insurance

In 2012, in order to solve the problem of poor urban and rural residents due to illness and returning to poverty due to illness, the urban and rural residents' serious illness insurance system was officially sailed. In the past ten years, major illness insurance has made significant contributions to improving the level of national medical security. At the "China Ten Years" series of theme press conferences held by the Central Propaganda Department on June 23, Xiao Yuan, vice chairman of the CBRC, introduced that since the establishment of a major illness insurance system, it has covered 1.22 billion urban and rural residents.

As the main body of the market -oriented of major illness insurance, commercial insurance institutions have played a pivotal role in the past ten years, which has provided strong support for improving the level of major illness insurance management and service quality.

The successful launch of any innovative model depends on the way first and the first subject to explore the road. As one of the commercial insurance companies that have participated in the implementation of the major illness insurance system earlier, after years of deep cultivation of Chinese Life Insurance Corporation, China Life Insurance Corporation has become the main service provider of major illness insurance in many places. It effectively helps local governments build multiple medical insurance networks and win the battle against poverty. Data show that as of the end of June 2022, with the support of the relevant departments, China Life Insurance Corporation had more than 200 disease insurance projects, covering nearly 350 million urban and rural residents. Since the state's implementation of the major illness insurance system in 2012, the company's major illness insurance has paid more than 79 million people, with a compensation amount of more than 150 billion yuan.

From the perspective of typical cases, since 2012, the "Basic Medical Insurance+Disease Medical Insurance+Medical Rescue" integrated service model created by China Life and Life Insurance and Qinghai Provincial Government has made outstanding contributions to the province's comprehensive poverty alleviation; 2018 As the main insurer of the Zhejiang Jinhua Disease Insurance Project, the Chinese Life Life Insurance Jinhua Branch cooperated with the local government's first implementation of the "Selection and Payment Premium" major disease insurance system to create a good medical insurance treatment model; in 2021, the Chinese Life Insurance Chongzuozuo The Health Insurance Department of the branch was awarded the title of advanced collective honor of poverty alleviation in the country, and was commended at the National Poverty Alleviation Summary Conference in February of that year.

Taking the opportunity to participate in the major illness insurance system, China Life and Life Insurance Company gradually opened up a unique political and insurance cooperation path.

For example, in the pilot of participating in the long -term care insurance system, in recent years, China Life Insurance Corporation has formed a typical model such as Chengdu and Suzhou Zhangjiagang through the construction of long -term care insurance support systems. As of the end of June 2022, China Life Insurance Corporation has hosted more than 60 long -term care insurance projects in 17 provinces (autonomous regions, municipalities), covering nearly 26 million people.

In terms of government cooperation to supplement medical insurance, as of the end of June 2022, China Life and Life Insurance Corporation has undertaken more than 170 supplementary medical insurance projects in 26 provinces (autonomous regions, municipalities), covering more than 58 million people. In 21 provinces (autonomous regions, municipalities), a total of nearly 70 cities with customized commercial medical insurance projects have been implemented, and the number of underwriters in the project exceeds 18 million.

Multiple "Huimin Insurance" projects underwritten by China Life Insurance Company have also become a model for industry innovation. For example, the "Suisui Kang" and Hangzhou "West Lake Yilian Insurance", which are underwritten, created the government's in -depth participation and dominated urban customized medical care New model of insurance business. Hangzhou's "West Lake Yilian Insurance" in 2021 was 4.7 million people, with 42%of the participation rate, among the best in similar businesses in the country.

From the major illness insurance for the road to participating in long -term care insurance pilots, to the development of "Huimin Insurance" cities customized business, China Life and Life Insurance Company continued to play a positive role in helping the construction of a multi -level medical security system in the country.

Keep the supply of health insurance as the core to adhere to the origin of insurance protection

Participating in the national multi -level medical security system construction is the "test field" of insurance companies to develop political and insurance cooperation paths. The proposal and implementation of the "Healthy China" strategy brings a new outlet for the development of commercial health insurance.

From the perspective of policy, in 2014, the General Office of the State Council issued the "Several Opinions on Accelerating the Development of Commercial Health Insurance", and for the first time, the development of commercial health insurance was deployed from the national level. In 2020, 13 departments such as the China Banking Regulatory Commission jointly issued the "Opinions on Promoting the Development of Commercial Insurance in the Social Service Field", which clearly put forward improving health insurance products and services.

In this regard, China Life and Life Insurance Company deeply realized that supporting the "healthy China" strategy is a major opportunity to promote the high -quality development of commercial health insurance. Relying on the "Great Health" strategy of China Life Group, China Life and Life Insurance Company continuously increases the supply of commercial health insurance products, and uses the main insurance business as the leader to expand in the field of health management services. In terms of enriching the health insurance product system, the Chinese Life Insurance Company adheres to the insurance protection of insurance. From 2018 to 2021, combined with customer diversified and personalized health protection needs, China Life and Life Insurance Company developed more than a hundred types of health insurance products. Data show that the scale of health insurance premiums in China Life Insurance Company has increased from more than 42 billion yuan in 2015 to more than 120 billion yuan in 2021, with a compound annual growth of more than 19%.

In addition, in order to implement the development opinion of the State Council to promote the development of "Internet+medical and health" and conform to the development trend of the times, the Chinese Life Insurance Corporation aims to create a health service system that covers customers' life cycle. "Online+offline" health service system construction. According to reports, as of the end of June 2022, the "National Life Health" platform has been connected to provide more than 100 health service projects. In the early days of the new crown pneumonia epidemic, China Life and Life Insurance Company used the "National Life Great Health" platform to vigorously support the prevention and control of the new coronary pneumonia, launching the "Anti -New Crown Pneumonia Epidemic Service Zone", and providing online consultation. Services show the responsibility of the state -owned enterprise.

On January 26 this year, Bai Tao, Secretary of the Party Committee of China Life Group, emphasized at the 2022 work conference that "we must continue to deepen supply -side structural reforms, build a high -quality product service supply system, and cultivate new driving force for development." The system, creating a health management service model, is the distinctive manifestation of the national life insurance company to serve the overall situation and deepen supply -side reform.

The construction

In the era of digitalization, the rapid development of all walks of life is inseparable from the effective empowerment of science and technology. For the Chinese Life Insurance Company, the continuous strengthening of technology applications is also an important guarantee for consolidating the main insurance business and improving professional business capabilities.

In recent years, China Life and Life Insurance Corporation has contributed a lot of wisdom to the standardized and standardized construction of medical insurance public services, and participating in the reform of the medical insurance fund supervision method. Specifically,:

In terms of optimizing the settlement service of major illness insurance, through the system docking with medical insurance and medical institutions, more than 30,000 "one -stop" settlement services for major illness insurance insurance insurance in hospitals have achieved the goal of "running at most once".

In terms of improving medical risk management and control, the technical capabilities of long -term accumulation have been used to set up a four -in -one medical risk management and control system that integrates "intelligent review, institutional inspections, case investigations, and expert reviews" to help the medical insurance improvement fund management level and use efficiency.

In terms of the reform of the national medical insurance payment method, actively cooperate with related technology companies to participate in the reform of DIP and DRG in many places such as Yingkou, Liaoning Yingkou, Shaanxi Hancheng, Heilongjiang Jiamusi, and Meishan in Sichuan, and achieve preliminary results.

The application of Chinese Life Insurance Company in cutting -edge science and technology is not innovative for innovation, but based on national medical reform and market cost reduction and efficiency, and promotes technology empowerment in a targeted manner. Where.

Triple character is used as a high -quality transformation of the positioning of health insurance

Muting happiness for the people is an inexhaustible motivation for struggle. Objectively speaking, at the current stage, the development of commercial health insurance in my country cannot fully meet the growing health guarantee and service needs of the country. Therefore, to promote the high -quality development of health insurance, it also needs to be headed by Chinese Life Insurance Company. Continue to play a leading role.

So, looking at the future, what are the ideas for the industry to support the construction of "healthy China"? In this regard, China Life Shou Insurance Company proposed a triple role positioning for the first time.

The first is to strengthen the supply of multi -level guarantee product supply and be a guardian of health risks. On the one hand, China Life Insurance Company will take the initiative to take the initiative to bear social responsibility to increase the coverage of inclusive insurance products. Actively docking the medical insurance system, helping local government departments to weave the people's livelihood security network, and focus on the development of supplementary medical insurance products and various commercial health insurance that are connected with medical insurance. On the other hand, in -depth digging into market segments, improve the accuracy of beneficiaries of specific health insurance products. China Life Insurance Company explores the development of health insurance for specific diseases and special groups such as specific diseases and special groups such as elderly, children, and mothers.

The second is to improve professional management and management capabilities and serve as medical insurance reforms. Strengthening medical insurance cooperation is an inevitable choice for insurance companies to achieve health insurance operations and sustainable development. In terms of medical insurance cooperation, China Life and Life Insurance Corporation will continue to increase scientific and technological applications and improve professional management levels. Based on the risk management of advance, in the event, and afterwards, it has gradually established a more digital, intelligent, and three -dimensional risk control system to improve the professional comprehensive management and control capabilities such as health insurance risk assessment, monitoring and disposal. In addition, China Life and Life Insurance Corporation will continue to explore the innovation model of medical insurance, and improve the service capabilities and efficiency of various medical insurance through its own professional management level; promote the in -depth connection with medical reform to help medical insurance, medical, medical linkage reform, collaboration, collaboration The formation of governance pattern. The third is to provide a full life cycle health service to be a promoter of people's health. Through the form of strategic investment in investment and open cooperation, we will integrate major health resources such as medical, maintenance, medicine, and protection, and explore the construction of a health management service system with the goal of promoting customers' health and covering the whole life cycle. Build a service chain with convenient and high quality, diverse services, and online and offline combination. By providing services such as assisting medical treatment, rehabilitation care, health management, pension care, and ending care, it will optimize and extend the existing medical and health service system to provide customers with rich and diverse diversity Health management services.

China Life Insurance Company stated that as a large state -owned insurance institution, the next step will be guided by "the second century -old struggle goal of comprehensively building a socialist modern power", with the mission of "protecting the health of the people and enhancing the well -being of the people's livelihood", and actively connect the market Demand, adhere to the principle of combining economic benefits and social value, promote the high -quality development of health and insurance, fully support the construction of "healthy China", and play a greater value role in serving the national governance system and modernization of governance capabilities. Text/Su Changchun

Daily Economic News

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