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杠杆率变化
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杠杆率之变重构健康险 一张保单如何从“保健康人”到“保人健康”
Core Viewpoint - The rising prices of critical illness insurance (CI) are leading to a decrease in insurance leverage, causing consumer disinterest and higher rejection rates for applicants with pre-existing conditions [1][2][3]. Group 1: Market Trends - The critical illness insurance market has been shrinking, with a notable decline in premiums, which limits the overall growth of health insurance [3]. - By the first half of 2025, health insurance premium income is expected to exceed 620 billion yuan, reflecting a year-on-year growth of 2.3% [3]. - Medical insurance is gaining market share, projected to surpass critical illness insurance in 2024, becoming the leading type of health insurance [3]. Group 2: Insurance Product Dynamics - The complexity of critical illness insurance products has increased, incorporating various coverage types, which raises costs and subsequently premiums [2][3]. - The insurance leverage, defined as the ratio of coverage amount to premium paid, is decreasing due to rising prices and stricter underwriting standards [2][3]. Group 3: Future Directions - The industry is shifting focus towards medical insurance, driven by reforms such as DRG and DIP, which are expected to stimulate product innovation and growth [4][5]. - There is a growing emphasis on integrating health management services into insurance products to encourage proactive health management among consumers [6]. - The introduction of innovative drug and medical device payment models is anticipated to support the development of health insurance [7][8]. Group 4: Regulatory and Policy Environment - Regulatory bodies are working on guidelines to enhance health insurance service levels, aiming to improve product design and data application [10]. - The establishment of a commercial health insurance innovation drug directory is expected to refine pricing strategies and expand coverage [9][10].