Knowing what insurance is, knowing insurance is: insurance+gene, and insurance is no longer just a remedy after the danger. Southern Fortune Network Xiaobian provides you with the latest information query

On July 1, Wang Guoqiang, deputy director of the National Health and Family Planning Commission and director of state administration of traditional chinese medicine, said that according to the analysis of the results of the national cancer registration in 213, the incidence of cancer in China was 2.35/1,, and lung cancer and breast cancer ranked first among men and women respectively. Coincidentally, the day before, Zhongan Insurance, the first Internet insurance company in China, announced that it would cooperate with Huada Gene, the world's largest gene sequencing center, to build the first Internet genetic testing insurance plan in China-knowing for insurance.

This is the first real "marriage" between the insurance industry and the gene industry in China, aiming at providing users with a brand-new health management scheme by using Internet insurance and gene testing technology, and realizing the 1+1 of Internet insurance and gene. Obviously, the plan goes beyond consumers' understanding of insurance in the past. Insurance is no longer just a passive and cold risk compensation, but a set of positive and warm guarantee services.

Huada Gene, which is famous in biotechnology, is the largest gene sequencing center in the world and the undertaker of the China part of the Human Genome Project. Li Yingrui, chief scientist of BGI, said that through this cooperation, BGI very much hopes to verify the cross-border cooperation mode of Internet insurance and genetic technology in reality. The reporter clearly remembers that a year ago, Wang Jian, the founder of Huada Gene, said at the "Big Data International Annual Meeting" in Guiyang that through the collection and analysis of genetic data of different people, we can get the characteristics of pathogenic genes to prevent them, thus effectively reducing the occurrence of cardiovascular and cerebrovascular diseases, tumors, birth defects and other diseases.

It is understood that testing genes often costs tens of thousands or even hundreds of thousands of yuan, which is relatively sky-high in foreign countries, and many genetic tests in the market want to be Gao Daquan, but Li Yingrui thinks that at present, those genetic tests may not be suitable in terms of public cognition, practicality and acceptance.

According to Li Yingrui, genes play a decisive role in people's birth and death, and also have a great relationship with the environment. Genetic testing tends to predict or prevent, so to some extent, genetic testing is actually an investment in personal health, which can reduce the risk of diseases.

According to Li Yingrui, this cooperative insurance plan for breast cancer genetic testing, based on authoritative breast cancer literature reported at home and abroad, combined with tens of thousands of basic data of China population unique to China National Gene Bank, screened 21 loci of 8 genes highly related to breast cancer for testing, and defined the risk through rigorous and scientific mathematical model calculation and information analysis and interpretation. Through genetic testing, customers can have a better understanding of their own genetic information and adjust their lifestyle through health suggestions in the report. If the test results suggest high and medium risk groups, from the genetic background, the probability of lifelong breast cancer will increase significantly, and it is especially necessary to change the environmental factors that induce the disease, such as following the physical examination and health management guidance provided by the knowledge-based insurance plan.

Chen Jin, CEO of Zhongan Insurance, said: "In the past, insurance was a kind of compensation for risks, but technology is actually helping us to develop our future potential and test our bodies to prevent them in advance." In particular, he emphasized that some people think that technology may reduce the scale of the whole insurance, because the probability of risks is small. This is a relatively narrow idea. From a broader perspective, the value chain of the whole insurance service will be greatly extended, making traditional insurance take a big step forward in the Internet age.

"If' internet plus' is a simple mashup, it doesn't really make much sense. In fact,' internet plus' should use some platforms, ideas and technologies of the Internet, and even combine them with emerging industries, so that these things can be closer to users and play a role. This is easy to say, but to really do it, it will face a very big test. " Chen Jin said.

As a human password, gene involves personal privacy, and its combination with insurance is not smooth. Xu Xian, director of the China Insurance and Social Security Research Center of Fudan University, said: "Some people oppose the combination of genes and insurance. At present, there are three main opinions: First, everyone is born equal, and if they carry bad genes, they will be discriminated in insurance pricing, which is not allowed; Second, the United States believes that insurance is a person's basic needs. If the gene is detected, it will deprive him of his basic needs, which is contrary to human nature; Third, people have the right to privacy of their own genes. Every policyholder has the right to choose whether he knows what the genes are, and whether he is willing to let the insurance company master the data of his genes. "

In this regard, Li Yingrui put forward his own views. He said: "The development of science and technology will have a certain impact on human society as a whole. For the information society supported by big data, knowing more information to achieve information symmetry is beneficial to the development of the whole society. The key is whether we can design a good model, so that everyone can enjoy information symmetry. This is a question that we need to answer in the process of exploring the real combination of genes and insurance. "

Chen Jin believes that American official legislation prohibits insurance companies from using genetic testing results for insurance pricing, because insurance companies made mistakes from the beginning, regarded genetic testing as a tool to protect their own interests, and refused insurance for people with pathogenic genes. This will inevitably lead to discriminatory pricing of genes and cause public opinion problems. "At present, in China, the regulatory authorities have not yet legislated on this matter. If the insurance company digs its own grave, it is undoubtedly shameful. When designing this product, we made a serious commitment, based on the average incidence rate of breast cancer. No matter what the test results are, if customers buy our related products again in the future, we will never raise the future premium rate, nor will we make any refusal operation for customers. "

As for privacy protection, Zhongan Insurance and BGI will provide three barriers to ensure privacy security. In addition to protecting customers' right to know, the samples will be completely destroyed within 3 months after the sample extraction test report comes out.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.