期待“惠民保”可持续更健康

Core Viewpoint - The "Hui Min Bao" insurance model, particularly the "Hu Hui Bao" in Shanghai, is gaining traction with over 1 million reservations on its first day, indicating strong market interest and potential for sustainable operation [1][2]. Group 1: Product Overview - "Hui Min Bao" is a one-year insurance product that can be participated in by both property and life insurance companies [2]. - The model aims for a break-even, low-profit strategy, where most premiums are converted into claims, as evidenced by the 8.5 billion yuan in premiums and 6 billion yuan in claims from last year [1]. Group 2: Market Dynamics - Concerns about the sustainability of the "Hui Min Bao" model have been alleviated by its ability to adapt through rate adjustments and expanded coverage, which helps mitigate operational risks [2][3]. - The growth of health insurance, including "Hui Min Bao," is notable amid the challenges faced by traditional life and critical illness insurance due to the ongoing pandemic [3]. Group 3: Challenges and Recommendations - Issues such as multiple "Hui Min Bao" products in some cities and the risk of low participation rates leading to high claims need to be addressed to avoid a "death spiral" scenario [2]. - Government support and regulatory oversight are essential to prevent unhealthy competition and ensure that "Hui Min Bao" serves its intended purpose of providing affordable coverage [3].