声明：本系列文章基于原期刊目录和摘要内容整理而得，仅限于读者交流学习。如有侵权，请联系 删除。 本文基于以下论文整理而得： Wannasri, A., & Huang, N. (2025). Social health insurance, health services utilization and procurement of private health insurance in Thailand's multi-payer universal health system. International Journal of Healthcare Management, 1–10. 原文链接： https://www.tandfonline.com/doi/full/10.1080/20479700.2025.2520944#abstract 作者： Arnat Wannasri (台湾阳明交通大学), Nicole Huang (台湾阳明交通大学) 摘要 基于202 1年泰国健康、老龄化与退休调查（HART）的数据，本文研究了泰国4 5岁及以 上成年人在三大公共医疗保险计划——全民覆盖计划（UCS）、 ...

Regulatory Dynamics - Nine departments support insurance institutions to develop commercial health insurance products suitable for drug retail scenarios and encourage the development of drone delivery liability insurance [6][7] - The Ministry of Finance announced that the central government will allocate approximately 1.2 trillion yuan for basic pension insurance subsidies in 2025 [9] - The Ministry of Finance stated that agricultural insurance premiums are expected to exceed 155 billion yuan in 2025, with nearly 80% coming from government subsidies [11] - The People's Bank of China maintained the 1-year and 5-year Loan Prime Rate (LPR) at 3.0% and 3.5% respectively [14] - The National Bureau of Statistics projected a GDP growth of 5% for 2025, with industrial added value growth of 5.9% [15] Company Dynamics - China Life plans to invest 4 billion yuan to establish a partnership focusing on technology innovation in the Yangtze River Delta region [26] - China Life's overseas total assets exceeded 452.8 billion HKD, participating in multiple star innovation enterprises' equity investments [27] - China Life's overseas company subscribed to approximately 2.4 billion HKD in Hong Kong's multi-currency digital green bonds [28] - China Pacific Insurance's cumulative original insurance premium income for 2025 is projected to be 258.115 billion yuan, an increase of 8.1% year-on-year [34] - China Taiping expects a 215% to 225% increase in annual profit attributable to shareholders for 2025 compared to the previous year [33] Industry Dynamics - Seven Chinese insurance companies ranked in the "2026 Global Brand Value 500" list, with Ping An at 32nd and China Life at 104th [55] - The insurance asset management sector registered 314 plans in 2025, with a total scale of 510.443 billion yuan, showing a decrease in both quantity and scale year-on-year [58] - The insurance industry is expected to see a "double increase" in premiums and profits in 2025, benefiting from a rising equity market [56][57] - The cumulative payout for Zhong An Insurance in 2025 reached 17.9 billion yuan, with AI integrated into the entire claims process [38][39]

保险业中高层都关注的公众号 DF 3 品 版 CHINA INSURANCE 险 财 产 保 UT 保险守护未来, 专业成就价值。 中华财险以稳健之姿、创新之志, 持续流耕中国保险市场。 现面向社会广频贤才, 邀请您与我们共同把握行业脉搏, 书写专业新篇! 美哥中华财险 实力国企,值得托付 中华联合财产保险股份有限公司(简称"中华财 险")始创于1986年,前身是新疆生产建设兵团 农牧业生产保险公司,作为新中国成立后第二 家国有控股保险公司,2002年经国务院批复冠 名"中华",成为全国唯一以"中华"冠名的国有 控股保险公司。2025年,公司随控股股东划归 中央汇金投资有限责任公司,国企背景更添坚 实保障。 载 Can P File Fir 公司注册资本金达 综合偿付能力充足率 227.2% 146.4亿元 2024年实现保费收入 保费规模位居行业 681.5亿元 策性农险 务规模行业 建康险| 务行业 馆项留年获得 w 亚洲品牌500强 2 中国500最具价值品牌 1 年度最佳农险服务财险公司 等多项荣誉 中华财险产品数量1万余个,覆盖政府、企业、 个人全场景保险需求。全国32家省级分公司、 3000多个分 ...

"13精"数据库第425周更新公告 13精资讯-增加2025年12月万能险结算利率 2024年度老三家人均产能446.8万元，同比增长4.8%；第二梯队公司人均产能347.0万元，同比增长7.3%；其他中小型公司人均产能307.1万元，同比增长 4.1%。 13精资讯-增加2025年投连险账户规模 13精资讯-增加2025年12月高管任职批复 13精资讯-增加最近一周保险公司被处罚数据 13精资讯-增加最近一周保险公司投连险净值数据 13 精利用最新录得数据做的研究报告之425 期： 财险职工人数三连降之后开始止跌企稳，自2016年以来人均产能复合增速8.9% ！ 先 说 结论： 1、 由于保险年鉴刚更新2024年行业的职工人数（大家可以看成是管理人员数，以及少部分给上五险一金的销售人员数之和）。因此，本文才推出 2024年的人均产能。 需要解释的是，这里的人均产能也是指管理人员的人均产能，而非代理人的人均产能。 本文的看点不在于时效性，而在于通过历史数据揭示一些保险业的经营规律，以其为行业提供战略思考。 2024年度财险公司职工总人数约42.3万人，与上年度基本持平，开始出现企稳迹象。 2024年度人均产能 ...

刚刚 保险行业协会、资管协会 精算师协会、银保信等 齐发文 费率、数据、资金等 全方面聚焦 健康保险 高质量发展 ①从产品、条款、 ②保险行业协会 制定医疗险 示范 条款 和药品保障支付 清单 ③精算师协会： 编制 全国医保信息共享服务 ⑤资管协会 保险资金助力健康产业发展 1 健康保险未来发展重点 产品升级、费率更新、数据共享 当前，随着医疗技术的提升，人均预期寿命持续提升，根据监管部门披露的数据，我国 人均预期寿命达到7 9岁，每5年增长1岁。 如果，从购买保险人群的数据看，预期寿命还要更高！ 以现在保险业采用的第四套生命表中的CL1 ( 2 0 2 5 )表为例，男性预期寿命为8 5岁，提高 2岁，女性预期寿命为8 9岁，提高1岁。 详见《 第四套生命表2 0 2 6年启用 》 再加上，医保DRG/DIP支付方式改革的全面落地，大众对于健康管理的意识，以及商 业健康保险的需求也快速增长。 医疗险、惠民保的 净成本表 ④银保信：建设 其实，从百万医疗险的兴起到惠民保的全面发展，近年来，保险公司围绕健康保险，开 发了千余款产品，已经构建起多层次、全覆盖的产品体系。 | 分类 | | 2024年 | 2025 ...

Core Insights - The article highlights the continuous decline in the number of employees in the life insurance industry, with a total of approximately 332,000 employees in 2024, marking a five-year consecutive decrease. Despite this, the per capita productivity in the industry has reached 9.61 million yuan, an increase of over 100% compared to 2016, with a year-on-year growth rate of 11% for 2024 [1][20][21]. Group 1: Employee Productivity - The average per capita productivity for life insurance companies in 2024 is reported as 9.61 million yuan, with a simple average of 12.49 million yuan across 71 companies, a weighted average of 9.61 million yuan, and a median of 10.26 million yuan [39]. - The per capita productivity for life insurance companies primarily using the "bank and postal" channel is 12.44 million yuan, with a year-on-year growth of 18%, while those using the "personal agent" channel report 9.27 million yuan, with a 10% growth [3][22]. - Historical data shows that per capita productivity has consistently increased, with a 109% rise since 2016 [2][21]. Group 2: Channel Performance - The article categorizes life insurance companies into three groups based on their primary sales channels: "personal agents & direct sales," "bank and postal," and "other channels." The analysis indicates that while the "bank and postal" channel has the highest per capita productivity, it does not necessarily translate into better financial performance [9][29]. - Empirical research indicates a significant positive correlation between per capita productivity and return on equity (ROE) for companies in the first group, while the second and third groups do not show a significant impact on profitability from per capita productivity [11][37]. Group 3: Company Rankings - The top ten life insurance companies by per capita productivity for 2024 include Hongkang Life, Zhonglang Life, and Zhaoshang Renhe, with per capita productivity figures of 52.90 million yuan, 52.00 million yuan, and 44.35 million yuan, respectively [42][44]. - Companies with per capita productivity exceeding 30 million yuan include four firms, while 33 companies fall within the range of 10 to 30 million yuan, predominantly from the bank and postal channel [39][42].

Core Viewpoint - The article discusses the performance and prospects of exclusive commercial pension insurance products, highlighting their competitive settlement rates and the growing demand for stable, long-term investment options in the current market environment [1][6][8]. Summary by Sections Exclusive Commercial Pension Insurance - In 2025, 80% of exclusive commercial pension insurance accounts are expected to have settlement rates exceeding 3%, with 95% of accounts surpassing 2.75% [1][8]. - Six products from Agricultural Bank Life and National Pension have settlement rates exceeding 4% [9][10]. - The average settlement rate for 80 accounts in 2025 is projected to be 3.3%, an increase of 1 percentage point from the previous year [16][20]. Product Performance - The average settlement rate for exclusive commercial pension insurance has consistently been above 3% since 2021, with the first batch of products achieving an average of 4% over five years [13][17]. - The top six products with the highest settlement rates in 2025 include various offerings from Agricultural Bank Life and National Pension, all exceeding 4% [11][14]. Market Trends - The demand for long-term, stable, and higher-yielding products has surged due to external interest rate declines and the upcoming maturity of large deposits, estimated to be around 50 trillion yuan [6][8]. - The insurance industry is actively promoting the development of dividend insurance and "guaranteed + floating yield" products to enhance competitiveness and improve liability quality [6][8]. Consumer Insights - Exclusive commercial pension insurance products offer several advantages, including flexible investment options, guaranteed minimum returns, and tax benefits for personal pension contributions [24][27]. - The products feature both conservative and aggressive account types, allowing consumers to switch between them during the contract period [27][30].

Core Insights - The insurance industry is experiencing a shift towards non-auto insurance, with premium growth slowing down in both auto and non-auto segments. The overall premium growth for the insurance industry in 2025 is expected to be below 4% [10][24]. Auto Insurance Premium Rankings - The top three companies in auto insurance premium rankings are stable, with Ping An showing the fastest growth. Zhong An, Tai Kang, and BYD have all exceeded 30% growth [12][24]. - The premium rankings for auto insurance in 2025 show that PICC has a premium of 2,201.19 billion, followed by Ping An with 1,760.95 billion, and Taibao with 852.32 billion [2][14]. - The overall growth rate of auto insurance premiums has slowed compared to the previous year, with the market facing challenges due to a single-digit growth rate in vehicle ownership [9][19]. Non-Auto Insurance Premium Rankings - Ping An's non-auto insurance premium growth is at 14%, while Tai Kang, Zijin, and JD Allianz have consistently exceeded 10% growth for two consecutive years [25][26]. - The premium rankings for non-auto insurance in 2025 indicate that PICC leads with 2,228.76 billion, followed by Ping An at 936.28 billion, and Taibao at 787.56 billion [26][27]. - The non-auto insurance segment is experiencing a shift, with some companies focusing on maintaining strong growth in this area while others face declining growth rates [10][25].

Core Insights - The article discusses the findings from the Health Policy Alliance's report on health insurance policies, highlighting urgent gaps and priorities in the current landscape [2][31]. - It emphasizes the importance of understanding both surface-level issues and deeper structural dynamics that shape health insurance policies [4][31]. Group 1: Immediate Issues - Affordability of healthcare costs is identified as the most pressing issue, with rising premiums and out-of-pocket expenses creating significant pressure on consumers, employers, and government budgets [7][8]. - The pre-authorization process is highlighted as a contentious topic, causing delays in necessary treatments and burdening healthcare providers, leading to widespread dissatisfaction among stakeholders [9][10]. - The rapid growth of the Medicare Advantage (MA) program raises concerns about payment accuracy and the actual benefits received by enrollees, despite the appeal of additional benefits [10][11]. - The role of Pharmacy Benefit Managers (PBMs) is under scrutiny, particularly regarding the transparency of rebate structures and drug pricing mechanisms, which complicate the evaluation of their effectiveness [12][13]. Group 2: Underlying Trends - The complexity of the healthcare system, characterized by overlapping plans and regulatory frameworks, creates confusion and administrative burdens for providers and consumers alike [15][16]. - Market consolidation among insurance companies, hospitals, and physician groups is reshaping the insurance landscape, potentially reducing competition and impacting affordability and consumer choice [16][17]. - Continuous reductions in government funding are increasing pressure on public programs, which may lead to cost shifts to healthcare providers and patients, threatening the stability of insurance coverage [17][18]. - There is a growing expectation for insurance coverage to expand beyond traditional medical services, placing additional pressure on insurers, especially in a context of limited public funding [18][19]. Group 3: Structural Forces - The relationship between insurance coverage and health outcomes is being reevaluated, with experts questioning whether increased coverage necessarily leads to better health outcomes [21][22]. - Market stability is viewed as a critical element of the health insurance system, influenced by competition, payment structures, and regulatory frameworks, necessitating a deeper understanding of these dynamics [22][23]. - Policy choices in health insurance often involve trade-offs that can have cross-sector impacts, highlighting the need for comprehensive assessments of policy changes [23][24]. - Evaluating the effectiveness of government programs and identifying successful elements can inform future policy discussions and improvements [24][25]. Group 4: Fundamental Issues - Defining the value and goals of insurance coverage remains a complex issue, with varying perspectives on what constitutes value for consumers and society [27][28]. - The quality of insurance coverage is difficult to define and communicate, leading to confusion among consumers and policymakers, necessitating a focus on how quality is measured and conveyed [28][29]. - The roles of government, employers, and private payers in shaping the health insurance system are complex and often overlapping, requiring clarity in their interactions and responsibilities [29][30].

Regulatory Dynamics - Seven departments are developing meteorological insurance products, including indices for thunderstorm asthma and pollen allergies [6] - The central bank has lowered the interest rates of various structural monetary policy tools by 0.25 percentage points, with the one-year re-lending rate reduced from 1.5% to 1.25% [7] - The Ministry of Human Resources and Social Security has introduced new policies for the second pillar enterprise annuity, aiming to increase coverage for more employees [9] - The Ministry of Commerce allows foreign insurance companies to establish insurance asset management companies directly in Shenzhen [10] - The Ministry of Finance has issued supplementary regulations to strengthen the monitoring of medical insurance fund operations [11] Company Dynamics - Taiping Asset has increased its stake in Shanghai Airport to 5% [22] - Zhonghui Life has invested 5.47 billion in establishing a private equity investment fund in Tianjin [23] - Taikang Pension has increased its registered capital to 110 billion [24][25] - Hengqin Life has raised its registered capital to approximately 49.9 billion [26] - China Life has signed a strategic cooperation agreement with the China Aging Association [36] Industry Dynamics - Insurance capital has seen a high level of capital replenishment, with a total of 1,454.72 billion raised in 2025 [48][49] - In 2025, insurance companies made 41 equity stakes in Hong Kong stocks, marking a significant trend in long-term investment [47] - The exclusive commercial pension insurance products showed a settlement interest rate range of 2% to 4.35% for 2025 [50] - A survey indicates that over 70% of insurance investment officers are optimistic about the investment outlook for 2026, with a preference for stocks and equity investments [51] - The insurance industry is undergoing a "thinning" trend, with over 3,100 branches exiting in 2025 [54]