The limitation of Huiminbao's supplement to medical insurance

With the gradual peaking of Internet traffic and the strengthening of supervision, from the perspective of insurance companies, Huiminbao is a new traffic portal and an important way to educate users on insurance.

First of all, Huiminbao's premium is relatively low, and the scale of compensation is limited.

With a limited premium scale, Huiminbao can only provide real protection to a very small number of insured users, which is why it sets a high deductible.

Second, users are concentrated in areas with high security.

From the perspective of supplementary protection, the purpose of setting up supplementary medical insurance is to cover the vacuum zone between basic medical insurance and critical illness medical insurance to further provide additional protection.

Finally, the inclusiveness of protection is weak.

On the other hand, although Huimin Insurance is expanded in the form of group insurance, it is still voluntary for individuals, and adverse selection is extremely strong.

From the above three points, the limited premium scale is the main weakness of Huimin Insurance, which limits the accessibility of users and also restricts the sustainability of the insurance itself.