The medical insurance gap will exceed $40 billion in commercial health insurance next year.

With the development of the national economy, people's demand for health care has increased year by year. In recent years, the regulatory authorities have successively introduced policies to promote the development of commercial health insurance, but the effect is not obvious, and the proportion of total health expenditure still does not exceed 5%. The medical insurance gap is growing year by year, and will exceed $40 billion next year. Commercial health insurance is not required to be replenished.

At the seminar on corporate employee welfare and health management sponsored by the China Insurance Institute and Shanghai Yibao Health Management Co., Ltd., Yao Qinghai, president of the Insurance Society, pointed out that the medical insurance gap in 2017 reached 40.1 billion US dollars. By 2020, the gap will be reached. It will jump to $73 billion. Insufficient medical insurance is required to participate in commercial insurance.

At present, there are 2,300 products in commercial medical insurance, covering a wide range of fields, but it is still necessary to continuously innovate to meet the needs of enterprises. The performance of commercial insurance in high-end areas is insufficient. Products that meet the needs of employees of state-owned enterprises need to be developed. Products must be fully integrated with the health risk management industry chain. Form a closed loop of personal health management, from treatment to prevention, introducing risk to pay, closing, and changing the exposure.

In the face of how to improve the importance of health insurance, many people in the industry have suggested that health insurance needs to be fully integrated with the health management industry chain to form a closed loop of personal health management and change the exposure.

Yao Qinghai pointed out that the major illness insurance and the new rural cooperative medical system have done a lot of exploration. The state attaches great importance to it and covers the rapid expansion of the population. It has explored how to serve the broad masses of commercial health insurance, gaining experience and facing many shortcomings, such as insufficient talent reserves. Insufficient research in medical institutions and enterprises.

In order to reverse the low proportion of customers, commercial insurance companies need to work with medical institutions to solve information sharing, establish a unified information platform, realize database sharing, and jointly build a risk community of risk sharing and benefit sharing. At the same time, it is also possible to set up a medical service committee to use scientific and technological innovations, participate in product actuarial and product design through laboratory data, and jointly train postdoctoral fellows with universities to encourage more talents in the field of health insurance and to prepare various textbooks.

In this regard, Yao Hongjie, president of the China Labor Association, also said that for enterprises, talent is the first resource, and the welfare system is an important driving force for improving employee happiness and engagement. It can guide and guarantee the sustainable growth of healthy consumption. The relevant national policies stipulate pre-tax deductions for supplementary medical insurance premiums paid by employees, and encourage insurance companies to vigorously develop health management services such as sickness insurance and chronic disease management.

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