What Is Commercial Health Insurance?

Commercial health insurance is based on the body of the insured, and guarantees that the insured is compensated for direct costs or indirect losses in the event of injury caused by a disease or accident, including disease insurance, medical insurance, income protection insurance, and long-term insurance. Care insurance. Illness insurance refers to insurance with the occurrence of illness as a payment condition; medical insurance refers to insurance with the occurrence of agreed medical treatment as a payment condition; income protection insurance refers to insurance with income interruption or reduction due to accidental injury or illness as a condition for payment of benefits; Long-term care insurance refers to insurance that requires care as a condition of payment of insurance benefits due to accidental injury or illness and loss of self-care ability.

Commercial Health Insurance

1. Classified by the number of policyholders: personal health insurance and group health insurance

2. Classified by length of insurance: short-term health insurance and

Health insurance products come in various forms, such as consumer, return, regular, lifetime, prepayment, extra payment, single payment, multiple payment, non-mild, including mild, fixed coverage, increasing coverage, Traditional security, high-end medical care, etc.

1. For individuals and families. For most people, disease is inevitable. Health insurance can compensate for the burden

2. To enterprises and units. Commercial health insurance has increasingly become part of the company's employee welfare system, and it can be an incentive mechanism

3. To the state and society. Contribute to the health of the people

Social medical insurance is a guarantee system established by the state to enable citizens to obtain compensation and help in the event of incapacity for old age, illness, unemployment, work injury, and childbearing. It is compulsory,

Manifested in seven aspects

1. The scope of services provided is different

2. Different implementation methods

3.

Commercial health insurance is still mostly mixed with life insurance in China. Health insurance and life insurance are operated separately in foreign countries. At present, there are four professional health insurance companies in China, namely: Chinese People's Health Insurance Company, Ping An Health, Ruiford and Kunlun Health Insurance Company. The independent operation of health insurance is the development trend.

From 2010 to 2016, the proportion of health insurance's life insurance premium income increased from 6.37% to 18.18%, and the proportion of industry-wide premium income increased from 4.66% to 13%; health insurance claims increased from 26.402 billion yuan to 100.075 billion yuan, an increase of 2.8 The depth of health insurance increased from 0.17% to 0.54%; the density of health insurance increased from 50.5 yuan / person to 292.3 yuan / person. The "2017 China Commercial Health Insurance Development Index" recently released by the China Insurance Industry Association shows that China's commercial health insurance development index is 60.6, which is in a low-level position at the basic level. It is generally compatible with the stage of China's economic and social development, but whether it is deep or The density is far from that of developed countries, which also shows that China's commercial health insurance has huge development potential and broad prospects.