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    Home > Active Ingredient News > Drugs Articles > Revision of definition of core diseases of serious diseases completed in June

    Revision of definition of core diseases of serious diseases completed in June

    • Last Update: 2019-06-24
    • Source: Internet
    • Author: User
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    "In June this year, we completed the revision of the definition of core diseases of serious diseases, standardized and timely released other related diseases during the year, and explored the establishment of a long-term mechanism for disease definition management." On June 20, Xing Wei, Secretary of the Party committee and President of the China Insurance Association, said that the revision of the definition of serious illness insurance was of great concern to the market "On the one hand, it is difficult for consumers to quantify the proportion of serious illness insurance due to the large differences in the terms of the insurance companies for serious illness; on the other hand, the definition of serious illness in the insurance contract of the insurance companies for consumers is often difficult to understand and understand, which is easy to cause sales misleading and subsequent claims disputes Therefore, it is of great significance to revise and standardize the definition of core diseases of serious diseases, which is expected to bring new growth points to the health insurance market " A person in charge of individual insurance of an insurance company told Securities Daily According to the data disclosed by the CIRC, the original insurance premium income of health insurance business in 2018 was 544.8 billion yuan, an increase of 24.12% year on year In the first four months of this year, the growth rate also exceeded 30% With the revision of the definition and table of serious diseases, health insurance is expected to maintain rapid growth Revision of definition and table of serious diseases at the same time In 2006, the former China Insurance Regulatory Commission and the insurance industry association jointly formulated the code for the use of disease definition of major disease insurance, which stipulates that the insurance period includes the insurance products at the adult stage If named after "major disease insurance", the insurance coverage must include the six diseases with the highest incidence of 25 diseases - malignant tumor, acute myocardial infarction, sequelae of cerebral apoplexy, major organ Transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease However, in recent years, different companies have different definitions of serious illness, and the definitions and expressions of serious illness are obscure It is not conducive to the purchase of serious illness insurance by consumers, nor to the development of health insurance such as serious illness insurance This revision is expected to solve this problem In addition to pushing forward the revision of the definition of serious diseases, the supervision is also pushing forward the revision of the table of serious diseases On June 13, Jia Biao, deputy director of the life insurance regulatory department of the cbcirc, said that the regulatory authorities would continue to promote the revision of the definition and incidence of serious illness insurance Taking the opportunity of this revision, we will actively carry out research on new thinking, new technology and new architecture, use Internet and big data and other technologies to explore and establish a dynamic revision mechanism of the critical illness table, and lay a solid foundation for health insurance pricing The so-called serious illness table refers to the table of major illness experience rate in China's life insurance industry, which is the basis for pricing of serious illness insurance products and assessment of legal reserves The revision of serious illness table will directly affect the pricing of major illness insurance In 2013, the original CIRC organized the whole industry to prepare and issue the table of major disease experience incidence in China's life insurance industry (2006-2010), which became the first set of table of major disease incidence compiled based on domestic data, ending the history of no disease incidence table in the domestic life insurance industry At present, this set of table has been used for 5 years "The first set of serious illness table compiled in 2013 has played an important role in promoting the rapid development of major illness insurance in recent years However, with the rapid development of China's economy and society, the continuous improvement of medical technology level and the increasing diversification of people's consumption demand, this set of serious illness table has not been able to effectively meet the needs of all aspects, which needs to be revised." Huang Hong, vice chairman of the CBRC, pointed out not long ago Serious illness insurance becomes the most important business of health insurance With the development of recent years, serious illness insurance has become the most important business of health insurance Data shows that in 2017, the total premium income of health insurance reached 438.95 billion yuan, of which the premium income of serious illness insurance accounted for 56.8% Although there is no relevant data in 2018 for the time being, in the view of the insiders, the proportion of serious illness insurance in the health insurance business has further increased with the strengthening of health insurance sales by various insurance enterprises last year According to Minsheng Securities Research Report, although China's commercial health insurance continues to grow at a high speed, its development level is still in the primary stage, and there is still a large gap compared with developed countries According to the current actual development, it is estimated according to the insurance density in the United States or close to that in the next five years and the premium depth in the United Kingdom Assuming that the GDP will maintain a compound growth rate of 6.5% in 2018-2022 and the natural growth rate of population is 5.25% on a growth basis It is conservatively estimated that in 2022, the premium scale of the health insurance market dominated by serious illness insurance will increase to 997.2 billion yuan - 1413.3 billion yuan As one of the main types of long-term insurance business, health insurance has become a key business layout area of insurance enterprises under the background of the promotion of insurance industry "insurance by CBRC" and the rapid development of large health industry At the same time, compared with savings products, the value rate of long-term insurance products such as serious illness insurance is higher, which is an important factor affecting the long-term value of insurance companies Health insurance, which mainly focuses on serious illness insurance, is becoming an inevitable place for insurance companies Original title: the revision of the definition of core diseases of serious diseases completed in June, and the health insurance market is expected to meet the growth point again This article is reproduced from other websites, which does not represent the views and positions of the health sector If you have any objection to the copyright of content and pictures, please contact us in time (email: guikequan@hmkx.cn)
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