Institutional report: Health Insurance has become the second largest type of insurance on the Internet

In recent years, with the growth of my country's economic development and people's income, consumer demand has gradually upgraded, the public's insurance awareness has increased significantly, and the demand for commercial health insurance has continued to increase. With its convenient and unique advantages of the Internet channel, it is favored by more and more young consumers. Commercial health insurance purchased through Internet channels has played an increasingly important role in residents' health protection.

On July 14, the "2021 Internet Health Insurance Protection Index" (hereinafter referred to as the "Report") released by Nankai University released by the little umbrella insurance brokerage agency pointed out that my country's Internet health insurance achieved scale premiums of 55.1 billion yuan, an increase of 47% over 2020 Essence Internet health insurance premium income accounted for 18.9%of the income of Internet personal insurance premiums, an increase of 1.1 percentage points year -on -year. Today, in the field of personal insurance in the Internet, health insurance has replaced annuity insurance to become the second largest insurance.

In addition, the average value of the Internet Health Insurance Protection Index in 2021 has decreased slightly, but the overall guarantee is still at a basic level. It is worth noting that the reduction of the Internet health insurance guarantee index indicates that the role of commercial health insurance for the sales of Internet channels has declined in residents' health protection. This is not the same as the decline in the role of Internet health insurance protection. The changes in the commercial health insurance industry, Internet channels, and residents' health guarantee structure have close relationships.

The report believes that compared to 2020, although the average value of the Internet Health Insurance Insurance Index in 2021 has decreased slightly (the average of the 2020 guarantee index is 0.6403), the standard deviation shows a narrowing trend.

Specific to the product, the "Report" analyzes the product structure of the current Internet health insurance. The expense reimbursement medical insurance and major illness insurance are the two most important types of insurance in the Internet health insurance market. %. The remaining insurances, including anti -cancer insurance, fixed payment medical insurance, and disable income loss insurance, have less premium share.

In terms of Internet health insurance opportunities and challenges, the "Report" pointed out that in recent years, Internet insurance has developed rapidly, and Internet channels have become an important part of insurance sales channels. However, some insurance institutions' illegal operations and improper innovation behaviors have surged on Internet channel complaints and disorderly competition, which seriously harmed the rights and interests of insurance consumers. The new Internet personal insurance rules officially implemented at the end of 2021 further refined and improved the regulatory rules of the Internet personal insurance business.

For the future development of Internet health and insurance, the report has given 5 suggestions, including strengthening the construction of self -operated network platforms to enhance the level of operation and services; innovative development of differentiated insurance products, excavating consumer needs; doing a good job of commercial health insurance and basic medical insurance are effective effective Connect; explore the two -way information sharing of the medical security information platform and the commercial health insurance information platform; the supply of business insurance and medical resources, innovate payment models, and establish a risk shared mechanism.

Daily Economic News

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