Jiang Hongwei, a CITIC Guocheng Guangdong Branch: Actively launch the "Big Paths Manager" service in the Bay Area exclusive critical illness insurance

Southern Finance All -Media Li Jingjing Guangzhou Report

"Insurance companies need to accelerate the construction of the health management system, with the help of big data and the Internet, and create special health management services on the basis of fully insight into customers. We hope to build a complete health solution through effective health management services through health insurance to help customers help customers Be healthy. " On July 20th, Jiang Hongwei, general manager of CITIC Promotion Life Life Guangdong Branch, at the Second Table Dialogue of the Insurance Cloud Summit (2022) at the Southern Finance and Economics International Forum, "Deepening Insurance Interconnection and Helping the Development of the World Bay Area" The district's exclusive health insurance reform is expressed like this.

In February 2019, the "Outline of the Development Planning of the Guangdong -Hong Kong -Macao Greater Bay Area" was officially released, which clearly proposed that "supporting the cooperation of Guangdong -Hong Kong -Macao insurance institutions to develop innovative cross -border motor vehicle insurance and cross -border medical insurance products, providing convenience for cross -border insurance customers to facilitate the convenience Inheritance, survey, claims and other services ".

Since then, Guangdong's personal insurance industry has opened the road of exclusive health insurance reform and innovation in the Greater Bay Area exclusive health insurance in the Greater Bay Area and cross -border medical care of the Greater Bay Area.

The exclusive health insurance in the Greater Bay Area has obvious "Bay Area guarantee characteristics". Taking the exclusive critical illness insurance of the Bay Area, which has attracted much attention, is based on the latest corporate incidence rate in 2020. In response to the higher incidence of severe illnesses such as nasopharyngeal cancer and colon cancer in Guangdong, additional liability has been added, and the design of premiums that are lower than the national version of products under the scope of the same guarantee is generally recognized by the market.

Since the first single underwriting in Zhuhai on November 15, 2020, after more than two years of development, the exclusive critical illness insurance in the Greater Bay Area has covered multiple cities in the Greater Bay Area and has achieved good development results. Public data shows that as of the end of May 2022, the exclusive critical illness insurance in the Greater Bay Area has underwent 10,700.

As a life insurance company rooted in the Greater Bay Area, CITIC Baocheng Life has actively participated in the exclusive health insurance construction of the Greater Bay Area since the release of the "Development Plan for the Development Planning of the Guangdong -Hong Kong -Macao Greater Bay Area". Based on the economic development of the Bay Area and the characteristics of the people's health, through a wide range of market research and data analysis, the first CITIC Promotion Life Insurance's first critical illness insurance was launched at the end of 2021 Disease insurance has strengthened the guarantee for typical high incidence, and provides exclusive health management services- "Great Paths Manager" (Bay Area Edition). As of now, this product has provided more than 1,000 citizens of the Greater Bay Area with more than 400 million yuan in critical illness protection, with an average preservation of 371,000 yuan and a maximum insurance amount of 1.1 million yuan.

Jiang Hongwei said that the next step will further strengthen the survey of the health needs of people in the Bay Area, start from customer needs, upgrade products and services as a whole, and give customers a more valuable and temperature solution.

"Insurance companies also need to speed up the construction of the health management system and make full use of big data and the Internet to create special health management services. We hope to make customers healthier through effective health management services." Jiang Hongwei further said.

Jiang Hongwei suggested that the industry has further improved the responsibility of the protection of critical illness insurance in the Bay Area. In response to the guarantee responsibility of customers during the treatment or rehabilitation of the Bay Area, you can consider increasing "fixed rehabilitation insurance" within the scope of protection, and pay compensation for compensation payments. Responsibilities are improved to improve the advantages of product guarantee.

Jiang Hongwei pointed out that at present, there are still many practical difficulties in the process of cross -border health insurance in the process of cross -border claims, such as the qualifications of cross -border health insurance to medical institutions, medical personnel, appraisal institutions, and appraisers. After the diagnosis and treatment cannot be investigated and verified, it can only be reviewed by relying on claims information.

In the face of the above difficulties, the industry can take the opportunity set up by the insurance service center to open up cross -border claims qualitative certification through the insurance service center. Specifically, you can introduce the entrusted claims investigation, different geographical claims, and different places by the insurance service center. Service, after the introduction of relevant policies, further explores cross -border fund exchange services such as renewal insurance and surrender.

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