Those who are the big of the country, the process of political insurance cooperation health insurance for ten years of Life Life Insurance

In the call of the times, the urban and rural residents' illness insurance system with Chinese characteristics was born. With the starting point of the "Guiding Opinions on the Work of Urban and Rural Residents' Disease Insurance" with six ministries and commissions such as the National Development and Reform Commission in 2012, it has gone through ten years of time.

"In the golden age, it is not behind us, but in front of us; not in the past, but in the future." Compared with the international market, China's health insurance development is still in its infancy. At the same time, it also means that the huge blue ocean market in the future is still to be cultivated.

Over the past ten years, from policy guidance to the industry, from theoretical innovation to practice exploration, from demand to expanding supply ... The development of health insurance has shown a great situation in these years Insurance Co., Ltd. (hereinafter referred to as "China Life and Life Insurance Company") and other industries such as the industry, the leaders of the industry are deeply working and deeply developed. Regardless of whether the party's central government decision -making is the direction of the insurance industry's participation in the health of China, or the support of national policy support to provide an opportunity for the insurance industry to participate in the "health China" construction, or to provide standard guidelines for health insurance services for health insurance services, as well as market demand gives health to health insurance. Insurance supports health China's greater responsibility, everything indicates that health insurance is closely related to the country and the people.

In May 2022, the CBRC held a special meeting to emphasize that it is necessary to integrate the central tour and rectification into the current business work, and practice the political and people's nature of finance with practical actions. As a commercial health insurance that is closely related to the country and the people, how to play the function and role of insurance?

Through the practice in recent years, the China Life Shou Insurance Company has explored five effective practical paths, accumulated an important experience in the insurance industry to serve people's livelihood, and will serve it for "healthy healthy health and higher levels of more fields, deeper, and higher levels. China's "strategy lays the foundation.

Practice 1: Disease Insurance to open up the road to benefit the people in political and insurance cooperation

In order to solve the problem of the people's "poverty due to illness and return to poverty due to illness", in 2012, the six ministries and commissions of the National Minister issued the "Guiding Opinions on Carrying out the Insurance of the Cultivation of Urban and Rural Residents" to implement the system of major illness insurance. As one of the earliest insurance companies involved in the national illness insurance system, the Chinese Life Insurance Company has achieved outstanding results in carrying the function of carrying a multi -level guarantee system after ten years. By reducing patients with patients to ensure people's livelihood by reducing patients' large medical expenses, it plays an important role in helping the strategic policies such as helping the "healthy China" strategy, promoting rural revitalization, and realizing common prosperity.

In 2012, Qinghai Province took the lead in launching a major illness insurance for urban and rural residents across the country. As one of the insurance companies, China Life Insurance Corporation provides nearly 2.3 million urban and rural residents such as Hainan, Huangnan, Guoluo and Xining. Since 2017, according to the local medical insurance department, the China Life and Life Insurance Qinghai Branch has gradually undertaken the service service of basic medical insurance. In 2019, in Sanzhou and One Municipality, it successfully realized the integration of "basic medical insurance+medical insurance+medical assistance+medical assistance" to improve the efficiency of reporting and conveniently participating in the insurance. It has made positive contributions to the province's comprehensive poverty alleviation and laid a solid foundation for rural revitalization.

As of the end of June 2022, with the support of the relevant national and local governments, China Life Insurance Corporation had more than 200 disease insurance insurance projects, covering nearly 350 million urban and rural residents, and 80%of the projects set up the liability for people in need. Since the state's implementation of the major illness insurance system in 2012, China Life and Life Insurance Company has paid more than 79 million people with a total of more than 79 million people, with a compensation amount of more than 150 billion yuan.

Practice 2: Long -term nursing insurance opens a innovation guarantee field

Establishing a long -term nursing insurance system is an important deployment made by the Party Central Committee and the State Council to respond to the aging of the population and improve the social security system. Long -term care insurance is a national strategy of "healthy China" and "actively responding to the aging society of the population". The Chinese Life Insurance Corporation aims for "government -led, professional operations, principles to protect the capital, and has a long -term operation". Relying on corporate resources, it will create a long -term care insurance support system.

Among them, Chengdu project innovation and practical nursing services, grid management, create a "three real" benchmark for "real, simple, solid", formulate more than 10 full -process management specifications such as the "Guidelines for the Management of Individual Home", and establish one There are more than 50 professional service teams with more than 50 people, and the proportion of medical background personnel accounts for 50%, which provides full professional support for long -term care insurance. Shandong Dongying's long -term nursing insurance project service covers 1.2 million conservatives, realizing that difficult personnel should be guaranteed, and at the same time support the family members of the disabled personnel to participate in professional training of medical institutions. Achievements, realize and effectively connect with rural revitalization, reduce and prevent returning to poverty.

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, effectively promoting the country's active response to the implementation of the national strategy of population aging.

Practice 3: Government cooperation with medical insurance for precision docking guarantee demand

Supplementary medical insurance, as a supplementary and extension of basic medical insurance and medical insurance, is an important part of the multi -level medical security system. China Life Insurance Company actively cooperated with the government to carry out supplementary medical insurance business to deepen the connection with basic medical insurance. With the report of the 19th National Congress of the Communist Party of China, "Continuously meet the people's growing good life needs" as the following, develop a series of supplementary medical insurance products for the development of "good life", and build a multi -level insurance insurance for "basic medical insurance+major illness insurance+supplementary medical insurance". Since 2019, China Life and Life Insurance Corporation and Zhuhai Municipal Government have jointly launched a "big love" medical insurance project through government -enterprise innovation cooperation, exploring a new social governance model combining commercial health insurance and basic medical insurance. This project is complementary to the existing medical insurance policies in Zhuhai, covering aging, illness and low -income people, and building a multi -level medical security system of "basic+major diseases+additional supplements". The reimbursement of hospitalization costs can be reimbursed, solving the pain points of pain points that the general public brings high medical expenses due to major diseases.

In 2021, the project launched the "Love Health" operation to trial five malignant tumors that have a relatively high incidence of Zhuhai, and implemented early examinations and early treatment for participants, and provided scientific and standardized health management services. China Life has given full play to its strong professional and technical advantages. With its advanced process system, complete information system and professional operation team, it fully meets the insured entry, service process, and claim exports. Continuous needs.

As of the end of June 2022, China Life Insurance Corporation has hosted more than 170 supplementary medical insurance projects in 26 provinces (autonomous regions, municipalities), covering more than 58 million people.

Practice 4: Inclusive Health Insurance City One Strategy to extend medical insurance

Urban customized commercial medical insurance business is an innovative measure for local governments to implement central decision -making. By introducing commercial insurance companies, we can improve the multi -level medical security system with market -oriented means to further reduce the burden of medical expenses for the people.

In Zhejiang, after the "West Lake Yilian Insurance" was launched in 2021, it caused a strong response from the majority of citizens. The social attention was high. On the first day The insurance rate reached 42%, ranking among the best in the same type of products in major cities across the country. The "West Lake Yilian Insurance" is hosted by the Chinese Life and Life Insurance Hangzhou Branch as the main contractor. It is facing the basic medical insurance of Zhejiang Province and the basic medical insurance participants in the urban and rural residents. Professional category and other restrictions. As a commercial supplementary medical insurance, the "West Lake Yilian Insurance" focuses on the cost of self -funded drugs, diagnosis and treatment items, medical materials, malignant tumors, and critical condition innovative drugs outside the basic medical insurance directory. Essence

China Life Insurance Company dock the needs of "one city, one policy" city customized commercial medical insurance ("benefit people's insurance") demand in various places, and actively promote business development with the principle of compliance operations. The business adopts the innovative model of medical insurance governance in government and business integration and complementary advantages, showing the significant characteristics of inclusive finance such as "low premiums, high guarantees, unlimited age, occupation, and medical history". As of the end of June 2022, the urban customized commercial medical insurance of China Life Insurance Company has landed in 21 provinces (autonomous regions, municipalities) in total, with a total of nearly 70 projects, and the number of underwriters in the project exceeds 18 million. Projects that are blooming across the country have created a new model of custom medical insurance business participating in the government.

Practice 5: Commercial Health Insurance helps weaving multiple guarantees

The country attaches great importance to the connection and supplementary role of commercial health insurance and social security. China Life Insurance Company has resolutely implemented a series of policies for national development of commercial health insurance, adheres to insurance protection, promotes the reform of health insurance products, increases product supply, emphasizes the diversified development of products, and promotes the construction of a multi -level health insurance product system.

Relying on the professional operating advantages of human life insurance companies, China Life Insurance Company has established a rich and diverse and diverse health insurance product system, including "Guo Lianfu", "Kangning" and "Kangyue" series product system for personal customers. Major disease insurance, long -term care insurance, supplementary medical insurance, family planning insurance, aging insurance, small insurance, employee welfare series product system. In response to the preferential tax policy of health insurance, personal tax preferential health insurance products have been developed, which meets the health protection needs of taxpayers.

From 2018 to 2021, China Life and Life Insurance Corporation continued to enrich the company's health insurance product system in accordance with customer diversified and differentiated health guarantee needs, and developed more than a hundred new health insurance products. China Life Insurance Company has continuously improved the level of health insurance business operations and services, forming a relatively mature product development and underwriting claims risk control system. The service teams of related professional background personnel such as risk control, the level of intelligence and professional service has been continuously improved.

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 increase of more than 19%.

Times are calling, exploring endless. China's health insurance undertakings, which are still in the stage of initial development, cannot fully meet the people's growing health guarantee and service needs. The road of high -quality transformation and development of health insurance with Chinese characteristics still needs to be continuously explored. In the past ten years, the five major practices of China Life Insurance Company have achieved remarkable achievements in the field of health insurance. In the future, health insurance will continue to be promising in terms of serving health China and protecting people's livelihood. In September 2021, the General Office of the State Council issued the "Fourteenth Five -Year Plan" National Medical Security Plan, which further clarified the positioning of basic medical insurance "insurance basic", encouraged the development of commercial health insurance products that connect with commercial insurance institutions to develop and basic medical insurance. More Good coverage of basic medical insurance fees that are not paid. In this context, commercial insurance institutions should seize opportunities, focus on pain points and difficulties in the field of people's livelihood medical security, and promote the orderly connection and common development of multi -level medical security.

Ten years of exploration is the pavement of future roads. The Chinese Life Insurance Company takes the mission of "protecting the health of the people and enhancing the well -being of the people's livelihood", actively connects with the needs of governments at all levels, adheres to the principle of combining economic benefits and social value, promotes the high -quality development of health insurance, and fully supports the construction of "healthy China". In the construction of a multi -level social security system, it shows the responsibility of state -owned enterprises, and actively contributes more in terms of serving the national governance system and modernization of governance capabilities. ⑦

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