居民健康保险保障指数显著高于养老保险保障指数 业内人士呼吁健康险与养老第三支柱协同发展

Core Insights - The 2024 Health and Pension Insurance Security Index Report indicates that China's health insurance security index stands at 0.6241, reflecting a well-established foundational network for national health security, with future focus on enhancing depth of coverage, optimizing service experience, and promoting precise matching for high-quality development [1][2] Health Insurance Overview - The basic medical insurance coverage rate is stable at 95.85%, establishing a solid foundation for livelihood security [2] - The commercial health insurance ownership rate is at 77.51%, with significant market vitality, particularly in commercial medical insurance and critical illness insurance, covering 45.38% and 41.24% respectively [2] - There is a notable shift from "broad coverage" to "deep matching" in health insurance, although the matching degree score is low at 0.2765, indicating a mismatch between premium spending and actual income and risk needs [2][3] Pension Insurance Challenges - The pension system is heavily reliant on the first pillar, basic pension insurance, with a coverage rate of 74.38%, while the second and third pillars (enterprise annuities and personal pensions) are underdeveloped, leading to an "additional security level" score of only 0.2293 [3] - Over 75% of respondents report low or very low pension security levels, indicating significant room for improvement in future income replacement and payment capabilities [3] Integration of Health and Pension Insurance - Nearly 67.3% of respondents have developed awareness of pension savings, and over 65.9% have preliminary expectations regarding retirement living costs, signaling the onset of a nationwide pension planning era [4] - The sustainability of residents' pension financial preparation, with a score of 0.4108, is identified as a key focus for future improvements in security indices [4] - Experts emphasize the need for a cohesive approach to health and pension insurance, advocating for breaking down barriers between insurance types to enhance resource efficiency [4] Policy and Market Recommendations - The report suggests optimizing incentives for the second and third pillars to expand enterprise annuity coverage and increase participation in personal pensions [4] - Insurance companies are encouraged to innovate by developing integrated products that combine health management and pension services, such as "pension insurance + health management services" and "critical illness insurance + long-term care insurance" [4][5]