【纠错】 【责任编辑:任想】 银保监会表示，去年，保险业积极承办城乡居民大病保险，覆盖12.2亿城乡群众，累计赔付超过6 千万人次，参保群众大病报销比例提高了10至15个百分点；积极参与长期护理保险制度试点。绝大多数 国家级试点项目和地方自主试点项目均由商业保险公司参与服务，覆盖人口累计超过1亿，为超过70万 失能老人提供了长期护理服务保障。 3月17日，《证券日报》记者从银保监会获悉，2021年,健康保险保费收入8803.6亿元，同比增长 7.7%，赔付支出4085.3亿元，同比增长39.9％，并为参保人积累了1.3万亿元的长期健康险风险准备金。 银保监会表示，将进一步完善商业健康保险制度体系。一是深入研究扩大税优健康保险产品范围问 题，用足用好商业健康保险个人所得税政策。二是探索寿险赔付责任与护理支付转换机制，鼓励商业长 期护理保险发展。三是会同有关部门加强对城市定制型医疗保险业务的研究，加强追踪和回溯，为进一 步出台规范提供依据。 ...

Core Insights - The Financial Regulatory Bureau recently held a discussion on key proposals for the 2025 Two Sessions, focusing on the challenges and issues facing the health insurance sector [1] - Representatives emphasized the need to expand health insurance coverage, enhance service quality, and optimize the policy environment for health insurance development [1] Group 1: Health Insurance Development - There is a call to further expand the coverage of health insurance and improve service guarantee levels [1] - The need to respect the development laws of health insurance and optimize the policy environment was highlighted [1] - The development of customized urban medical insurance should be standardized, and information sharing between basic medical insurance and commercial medical insurance should be promoted [1] Group 2: Data Sharing and Settlement - It is essential to provide insurance companies with necessary medical insurance data support to facilitate better service [1] - The implementation of a one-stop settlement system is urged to enhance the experience and satisfaction of the public [1] Group 3: Innovation and Regulatory Measures - The meeting also discussed supporting high-quality development in pharmaceutical innovation [1] - The Financial Regulatory Bureau plans to comprehensively review the suggestions from representatives and work with relevant departments to enhance the quality of health insurance services [1] - There is a commitment to improve regulatory mechanisms, refine work measures, and enhance regulatory capabilities to better meet diverse health insurance needs [1]

Core Insights - The aging population in China is projected to reach 310 million by the end of 2024, accounting for 22% of the total population, highlighting the increasing demand for health insurance among the elderly [1] - The complexity of insurance products and high premiums pose challenges for older adults in securing adequate coverage, necessitating a focus on effective insurance planning [1] Group 1: Insurance Product Recommendations - For individuals under 60 and in good health, a million-dollar medical insurance is recommended due to its broad coverage, including hospitalization and special outpatient services, with coverage amounts typically reaching hundreds of thousands [2] - For those over 60 or with health issues, cancer insurance with more lenient health disclosures is advisable, particularly for older adults with conditions like diabetes or hypertension [2] - If neither million-dollar medical insurance nor cancer insurance is available, city-customized medical insurance, which is often government-guided and affordable, can serve as a last line of defense against major illnesses [2] Group 2: Importance of Accident Insurance - Accident insurance is crucial for elderly individuals, as falls are the leading cause of death among those aged 65 and older [3] - When selecting accident insurance, it is important to consider age limits, with many products capping eligibility at 65 or 80 years, and to prioritize medical coverage that includes expenses not covered by social insurance [3] - Additional benefits such as hospitalization allowances and extra compensation for fractures are recommended to better meet the needs of older adults [3] Group 3: Guidelines for Effective Insurance Planning - Experts suggest that elderly individuals should follow principles of "precise risk coverage" and "avoid excessive spending," focusing on a combination of medical and accident insurance as foundational coverage [4] - The "three cautions" to avoid pitfalls include: accurately disclosing health conditions, avoiding impulsive purchases due to peer pressure or promotional offers, and being wary of "policy upgrade" scams [4][5] - The "three priorities" for achieving precise coverage emphasize the combination of medical and accident insurance, early planning and purchasing before age 60, and prioritizing policies with guaranteed renewal options to maintain coverage despite health changes [4][5]