The first insurance industry knowledge map published by the public in China was released.
On July 20, Fudan University China Insurance Science and Technology Laboratory released the "Chinese Disease Insurance Knowledge Map" (hereinafter referred to as "knowledge map"). The knowledge map includes 3,146 disease insurance major and additional insurance clauses, related insurance company information, medical disease data and other important dimensions sold in the market from 2009 to 2019 (including products that have been discontinued), which will help support the future. The disease insurance industry explores the application of intelligent technology in the upper layers of risk control, user experience, product design, and consumer services.
The three major problems of sickness insurance highlight
sickness insurance, especially major illness insurance is becoming the most important insurance in health insurance. According to the data disclosed by the China Banking Regulatory Commission, as of the end of 2018, the original premium income of China's health insurance was 544.813 billion yuan, a year-on-year increase of 24.12%, of which the proportion of sickness insurance premiums was about 65%.
According to the statistics of the disclosure information of China Insurance Science and Technology Laboratory of Fudan University, as of June 2019, the insurance companies had recorded as many as 1137 cases of disease insurance major insurance products; only in 2018, newly filed There are 256 disease insurance products.
The industry believes that with the rapid development of disease insurance, problems such as market disorder and information asymmetry are also prominent.
First, various insurance companies have increased the number of diseases guaranteed by major disease insurance products to enhance the attractiveness of products, and the types of diseases involved are complicated, and the insured cannot accurately judge the importance of each disease.
Secondly, in recent years, major disease insurance products have adopted the mild and moderate disease protection as the innovation point of the product, and the definition of the same disease in various products is chaotic, quietly raising the threshold of claims, and also hurting the insurance. Human interest.
In addition, the insurance clauses are complex and the sales channels of insurance products vary greatly. Not only can the insured person not accurately select the most appropriate disease insurance products, but insurance companies and insurance intermediaries cannot effectively understand and control diseases. The direction of insurance development.
The number of critical illness diseases increased by 11.3% annually
Director of China Insurance Science and Technology Laboratory of Fudan University, Risk Management of Fudan UniversityProfessor Xu Xian, the head of the Department of Science and Insurance, said that through this knowledge map, a more comprehensive and comprehensive analysis of disease insurance can be formed.
Xu Xian introduced that the number of disease insurance filing products in China has increased year by year. The average annual growth rate from 2010 to 2018 has reached 13.7%, among which the major disease insurance has grown most rapidly, and the major illness insurance from 2010 to 2018 The average annual growth rate of the listed main insurance products reached 39.9%.
In addition to major illness insurance products, anti-cancer insurance and other disease insurance have also developed. In addition, products for special groups including children, women, seniors, and students have also developed.
At the same time, the coverage of sickness insurance products has shown a diversified trend. Common types of insurance liability include major illness protection, moderate disease protection, mild disease protection, specific disease protection, death protection, total disability protection, medical care for sickness, hospitalization allowance, and long-term care protection. The average number of insurance liabilities for sickness insurance clauses has also increased from 1.58 in 2009 to 2.91 in 2019.
It is worth noting that the number of diseases guaranteed by the major illness insurance clauses is also increasing year by year, from an average of 21.6 diseases in 2009 to an average of 62.9 diseases in 2019, with an average annual growth rate of 11.3. %.