Core Insights - The report titled "Health and Pension Insurance Security Index Research Report (2024)" was jointly released by Shouhui Group and Nankai University, marking the sixth market research report since their collaboration began in 2019 [2][4] - The report emphasizes the evolution of health insurance in China, focusing on the integration of health and pension insurance, and the need for innovative products to address the gaps in coverage [27][28] Group 1: Market Analysis - The report is based on 4,200 valid questionnaires and incorporates policy guidance and market trends, exploring topics such as the silver economy, pension security, and the synergy between commercial health insurance and the pension industry [4][27] - The average health insurance index for Chinese residents in 2024 is 0.6241, with 91.18% of respondents having basic or below-level health coverage; the average pension insurance index is 0.4706, with 76.66% of respondents at a low level of pension coverage [27][28] Group 2: Challenges and Recommendations - The report highlights the over-reliance on the first pillar of basic pension insurance, with only 32.03% of respondents having enterprise annuities and a mere 8.64% purchasing commercial pension insurance [27][28] - Recommendations include optimizing incentive policies for the second and third pillars of pension insurance, expanding coverage for enterprise and occupational annuities, and promoting product innovation to enhance participation among lower-income groups [28][30] Group 3: Industry Trends - The health insurance market is experiencing a shift from a focus on one-time payouts to a multi-layered reimbursement model, with products like high-end medical insurance and inclusive health insurance gaining traction [29][30] - Shouhui Group is transitioning from a traditional insurance intermediary to a comprehensive health service platform, enhancing user engagement and satisfaction through technology and product innovation [31][33]
手回集团与南开大学发布第六期商业健康养老指数报告：养老保障水平仍有发展空间，健康保障需求分化明显