重大疾病保险

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《中国养老金融》出版 探讨积极应对人口老龄化系统方案
Jing Ji Ri Bao· 2025-09-28 08:30
Core Viewpoint - The publication of "China's Pension Finance" addresses the urgent need for financial solutions to meet the growing pension demands in China due to an aging population, projected to reach 310 million people aged 60 and above by the end of 2024 [1][2]. Group 1: Importance of Pension Finance - Pension finance is significant for expanding long-term capital supply, acting as a source of "patient capital" [2] - It alleviates fiscal pressure politically and enhances the status of laborers [2] - Culturally, it promotes long-termism, aligning with the prudent financial culture of China [2] - Socially, it fosters equity and intergenerational balance [2] - It contributes to ecological civilization by promoting green investment and sustainable development [2] Group 2: Structure and Content of the Book - The book is structured into two main parts based on the life cycle: one focusing on pre-retirement financial systems to enhance pension capabilities, and the other on supporting pension services and products during retirement [1] - It employs a writing style that combines theory, data, charts, case studies, and recommendations, making it accessible for both academic and public audiences [2] - The book has received support from national research projects, indicating its academic and practical relevance [2] Group 3: Broader Implications - "China's Pension Finance" serves as a systematic academic support and practical pathway for building a pension finance system in China, highlighting the role of finance in enhancing public welfare and supporting development [2]
4520亿和谐健康减持3家公司股份,陪伴2家企业冲刺IPO
Sou Hu Cai Jing· 2025-09-16 14:06
Summary of Key Points Core Viewpoint - Harmony Health Insurance is continuously shrinking its investment portfolio, particularly through share reductions in Wanda Information, indicating a strategic shift in its investment approach [2][5][10]. Group 1: Share Reduction Activities - On September 14, Wanda Information announced that Harmony Health plans to reduce its stake by up to 3% within three months, potentially lowering its ownership from nearly 5% to below 2% [2]. - This reduction could yield approximately 317 million yuan based on the closing price of 7.33 yuan per share on September 15 [2]. - Harmony Health has already executed multiple share reductions in Wanda Information this year, totaling over 660 million yuan in cash from three separate transactions [6][8][10]. Group 2: Financial Performance of Wanda Information - Wanda Information has faced significant financial challenges, with net profits from 2020 to 2024 showing losses of 12.92 billion yuan, 0.69 billion yuan, 2.9 billion yuan, 8.99 billion yuan, and 6.86 billion yuan, respectively [10]. - In the first half of 2025, Wanda Information reported a further loss of 2.99 billion yuan, continuing its trend of poor financial performance [10]. Group 3: Investment History and Future Prospects - Harmony Health initially acquired a significant stake in Wanda Information in late 2020 through a judicial auction, investing approximately 2.334 billion yuan at a cost of 19.92 yuan per share [11]. - The stock price has since declined by over 60%, with the current price at 7.42 yuan per share as of September 16 [11]. - Harmony Health has also invested in other companies, including a 2 billion yuan investment in Moer Thread and Changxin Storage, both of which are in the critical phase of their IPO processes [5][21][23].
期刊Journal of Risk and Insurance2025年92卷第3期目录及摘要|保险学术前沿
13个精算师· 2025-09-14 02:03
声明:本系列文章基于原期刊目录和摘要内容整理而得,仅限于读者交流学习。如有侵权,请联系 删除。 ●退休的年金、健康险、长期护理保险需求: 研究结果显示,公共养老金水平较低的退休者应将至 少30%的退休金融财富配置于寿险年金;养老金处于平均水平的退休者应将至少30%配置于重大疾 病保险;而在不同经济状况下,对长期护理(LTC)保险的配置比例在5%至33%之间不等。 年金与养老金计划: ● 固定收益型养老金计划: 从资金充足转为资金不足的固定收益(DB)养老金计划往往通过提高 预期收益率(ER)来做出减少费用的假设。 ● 目标日期注册指数挂钩年金 是退休计划的有益补充,并有潜力成为与目标日期基金相竞争的投资 选择。 期刊介绍: 《Journal of Risk and Insurance》为季刊,每年4期,每期发表文章8-10篇左右。2024年影响因子为 2.1,是风险管理与保险领域的顶级权威学术期刊。该期刊主要发表保险经济学和风险管理主题的理 论和实证方面的学术论文,可以为保险市场的实践、决策和监管以及企业和家庭风险管理提供重要 的信息。 本期看点: 退休安排: ● 长期收入风险: 考虑长期收入风险会改变风险资 ...
健康保障再升级,鲁南制药集团完成2025年度员工健康查体
Qi Lu Wan Bao Wang· 2025-09-04 07:39
Core Points - The health check project for employees of Lunan Pharmaceutical Group for the year 2025 has been successfully completed, with over 10,000 employees participating to gain a comprehensive understanding of their health status [1][3] Group 1 - The health check project included assessments such as BMI, blood pressure, blood sugar, blood lipids, uric acid, ultrasound, and chest CT [3] - The company coordinated with multiple health check institutions to develop a detailed health check plan and arranged for occupational health personnel to conduct both general and occupational health checks [3] - The company extended care to employees' families by securing the same health check package at a discounted rate for them [3] Group 2 - The company emphasizes that employee health is a top priority and aims to implement thorough health protection measures [3] - The health check project is designed to detect early warning signs of health issues, facilitating early diagnosis and intervention [3] - The company has purchased critical illness insurance for all employees and has designated personnel to address any health-related inquiries [3] Group 3 - The company plans to organize experts to analyze the overall health check results and provide professional health guidance and interventions for key abnormal indicators [3] - Various health promotion activities, including health education and specialized training camps, will be conducted to enhance employees' health knowledge and skills [3] - The company aims to instill a health philosophy focused on prevention and personal responsibility for health among employees [3]
百年人寿聊城中支理赔迅速暖人心 服务周到传真情
Qi Lu Wan Bao· 2025-08-30 03:36
Core Insights - The article highlights the prompt and efficient claims service provided by the company, which significantly impacted customer satisfaction during a critical health crisis [1][4]. Group 1: Customer Experience - Customer X expressed gratitude towards the company for its rapid claims processing during his battle with a serious illness, specifically thyroid cancer [1][4]. - The company maintained continuous communication with the customer, ensuring he received the necessary support and guidance for his claims [4]. - The customer received a total of 150,000 yuan in critical illness insurance benefits, along with a waiver of future premiums, which alleviated his financial burden [4]. Group 2: Service Philosophy - The company emphasizes a customer-centric service philosophy, aiming to enhance the claims experience for all clients [4]. - The organization is committed to optimizing the claims process, reinforcing the role of insurance as a reliable support for customers' lives [4].
购买保险遭拒赔 “免责条款”真能免责吗?
Jin Rong Shi Bao· 2025-08-27 01:56
Core Viewpoint - The article highlights the frequent disputes arising from "exemption clauses" in insurance contracts, emphasizing the need for clearer communication and understanding between insurance companies and policyholders [1][2][3]. Group 1: Insurance Disputes - Numerous insurance disputes occur due to complex and often overlooked exemption clauses in contracts, leading to challenges during claims [1][2]. - In a case involving a medical insurance claim, the insurer denied compensation based on a hereditary disease exemption, despite the court ruling that the insurer failed to adequately inform the policyholder about the exemption clause [1]. - Another case involved a significant illness insurance claim where the insurer rejected the claim based on a requirement for muscle biopsy, which the court found unreasonable as genetic testing was sufficient for diagnosis [2]. Group 2: Legal Obligations and Recommendations - Insurance providers are legally obligated to clearly explain exemption clauses to policyholders, and failure to do so renders such clauses ineffective [3]. - The insurance industry is urged to design clauses that align with medical advancements and avoid contradictory terms that can lead to disputes [3]. - Consumers are advised to thoroughly review insurance terms, especially exemption clauses and claims conditions, and seek clarification on any unclear terms to prevent future conflicts [3].
保险的不同险种保障有何区别?
Sou Hu Cai Jing· 2025-08-22 07:05
Core Insights - Insurance plays a crucial role in risk transfer and economic compensation in people's lives, with different types of insurance offering unique coverage and functions [1] Group 1: Life Insurance - Life insurance is focused on the lifespan of individuals, providing economic protection for families in case of the primary breadwinner's premature death [1] - Term life insurance offers coverage for a specified period, while whole life insurance provides lifelong coverage and may accumulate cash value over time [1] Group 2: Health Insurance - Health insurance primarily addresses health-related issues, with medical insurance compensating for medical expenses due to illness or accidents [2] - Social health insurance offers basic coverage with limitations, while commercial health insurance serves as a supplement, covering remaining costs after social insurance [2] - Critical illness insurance provides a lump sum payment upon diagnosis of specified serious illnesses, which can be used for medical expenses and income loss [2] Group 3: Accident Insurance - Accident insurance covers death, disability, and medical expenses resulting from accidental injuries during the policy period [2] - It includes coverage for various types of accidents, such as those occurring in daily life, travel, or sports [2] - Benefits are paid based on the severity of the injury, with higher compensation for more severe disabilities [2] Group 4: Property Insurance - Property insurance covers various assets and related interests, with home insurance protecting household property from natural disasters and accidents [3] - Business property insurance safeguards fixed and current assets of enterprises against risks from natural disasters or accidents [3] - Auto insurance is a common type of property insurance, with mandatory liability insurance covering third-party injuries and damages in traffic accidents [3]
厘清“避债”误区!保险保单可以被法院执行
券商中国· 2025-08-09 09:31
Core Viewpoint - The article discusses the recent court actions regarding the seizure of cash values from life insurance policies belonging to individuals who are subject to enforcement actions, highlighting that such policies can indeed be executed by the courts [1][6][7]. Group 1: Legal Framework and Court Actions - Multiple high courts have clarified that life insurance policies can be subject to compulsory execution, meaning that any financial interests in these policies can be included in the enforcement property range [1][6][8]. - A specific case from the Hailar District People's Court in Inner Mongolia illustrates the execution of cash values from various insurance policies, with amounts ranging from 2,970 yuan to 105,247.27 yuan being seized from different individuals [3][4]. - Legal experts confirm that as long as the life insurance policies contain financial interests, they can be included in the enforcement actions, although certain policies with strong personal attributes may be exempted based on the overall financial situation of the debtor [5][9]. Group 2: Conditions for Debt Avoidance - The article emphasizes that while insurance policies are often marketed as tools for debt avoidance, this is not an absolute guarantee and depends on specific conditions [2][10]. - The cash value of insurance policies must meet certain criteria to achieve debt avoidance, such as the consent of the debtor in specific jurisdictions, and the nature of the insurance product itself [10][11]. - Legal professionals indicate that while insurance policies can be structured to provide some level of asset protection, their effectiveness is limited and must comply with legal obligations [10][12].
永不言难 马上就办
Jin Rong Shi Bao· 2025-08-08 08:01
Group 1 - The Jiangsu Insurance Industry Association's mediation center successfully resolved an insurance dispute through cross-institutional collaboration, demonstrating the industry's commitment to efficient and compassionate dispute resolution [1] - A consumer, Ms. An, faced a cancellation dispute regarding her insurance policies and urgently sought mediation, highlighting the center's responsiveness to consumer needs [1][2] - The mediation process involved a "back-to-back mediation + face-to-face communication" approach, ensuring consumer rights were protected while encouraging corporate responsibility [2] Group 2 - The successful resolution of the dispute is a reflection of the center's implementation of the "Fengqiao Experience," which emphasizes community-based dispute resolution [2] - The insurance industry in Jiangsu has seen an increase in complex and diverse insurance contract disputes, making mediation essential for consumer rights protection and industry stability [2] - A training session for industry mediators was held to enhance their professional skills, with over 90 mediators attending in person and more than 1500 participating online [3] Group 3 - The training focused on mediation techniques, case writing standards, and the importance of high-quality case documentation to improve mediators' capabilities [3] - The Jiangsu Insurance Industry Association has facilitated the establishment of consumer protection centers and mediation workspaces to address consumer rights and financial education [3] - Future plans include further implementation of financial regulatory guidelines to enhance the efficiency and warmth of financial dispute resolution services [3]
健康险保费增速冰火两重天!财险公司“疾走” 人身险公司“慢跑” 差距为啥这么大?
Mei Ri Jing Ji Xin Wen· 2025-07-30 15:58
Core Insights - The insurance industry in China reported a total premium income of 3.74 trillion yuan in the first half of the year, marking a growth of over 5% compared to the same period in 2024 [1] - The growth rate of commercial health insurance premiums was lower than the industry average, with a total premium income of 622.3 billion yuan, reflecting a year-on-year increase of only 2.3% [2][5] - The slowdown in health insurance premium growth has been attributed to a decline in demand for life and health insurance, as well as pressure on profitability due to falling interest rates [1][2] Industry Performance - The health insurance market has seen a significant increase in scale from 158.7 billion yuan in 2014 to 977.3 billion yuan in 2024, with a compound annual growth rate of 20% [2] - Health insurance's share of the total insurance market has risen from 8% to 17%, and its contribution to GDP has increased from 0.2% to 0.7% [2] - Despite the overall growth, health insurance is still far from the target of exceeding 2 trillion yuan by 2025, as set by the former China Banking and Insurance Regulatory Commission [2] Segment Analysis - The premium income from life insurance companies was 461.4 billion yuan, showing a minimal growth of 0.16%, while property insurance companies reported a premium income of 160.9 billion yuan, with a growth of 9.08% [5] - The disparity in growth rates between life and property insurance companies is attributed to differences in product structure, channel strategies, and market responses [5][6] - The only segment within health insurance that continues to grow is medical insurance, while critical illness insurance has seen a rapid decline in growth [5][6] Market Dynamics - There is a growing consumer interest in health insurance, with an increase in inquiries from clients seeking coverage for themselves and their families [6] - Innovations in health insurance products, such as no health declaration requirements and integrated health services, are gaining market acceptance [6] - The market faces structural contradictions, with a predominance of million-dollar medical insurance leading to increased competition and higher industry costs, while there is a lack of supply in mid-to-high-end medical insurance and specialized disease insurance [6][7] Future Outlook - The development of health insurance is expected to be driven by medical insurance, critical illness insurance, and nursing insurance, with ongoing discussions and investments in nursing insurance as a potential growth area [7] - The introduction of new market demands due to DRG/DIP reforms is prompting a reevaluation of the positioning of commercial health insurance providers [6][7] - A proposed three-tier product matrix aims to address market needs across different income levels, enhancing accessibility and coverage [7]