中国人寿、人保健康、太保产险、太平人寿等2025年上半年保险公司短期健康险的综合赔付率均超50%

Group 1 - The comprehensive payout ratio is an important indicator of the protection level of insurance products, with higher values indicating more compensation received by consumers [1] - Companies such as China Life, PICC Health, Taiping Property & Casualty, Taiping Life, PICC Life, and AXA Tianping have short-term health insurance comprehensive payout ratios exceeding 50% [1] - The median comprehensive payout ratio for short-term health insurance among 120 insurance companies is only 42.12%, with an average of 45% after excluding extreme values, which is considered low by industry professionals [2] Group 2 - Industry professionals suggest that a comprehensive payout ratio between 50% and 70% for short-term health insurance is more reasonable, as it ensures consumer experience and supports the stable operation of insurance companies [2]