Long-term health insurance mainly includes sickness insurance, medical insurance, nursing insurance and disability income loss insurance, which is the main type of health insurance business in China, and critical illness insurance accounts for nearly 70% of the total health insurance premium income.
Short-term health insurance mainly includes all kinds of medical expenses and allowance insurance, government-purchased services, social security supplementary medical insurance, enterprise self-insurance plan, mutual medical care for low-and middle-income people and comprehensive medical insurance for high-end customer groups.
Extended data:
The management of commercial health insurance in China mainly has the following modes:
First, the business model of life insurance companies. According to the Measures for the Administration of Health Insurance promulgated by the CIRC, life insurance companies with professional conditions can carry out long-term and short-term health insurance business; In recent years, the income from health insurance business realized by life insurance companies accounts for 75% of the whole industry.
The second is the business model of health insurance companies. In 2005, a number of health insurance companies were established in the market, specializing in long-term and short-term health insurance business, including sickness insurance, medical insurance, disability income loss insurance and nursing insurance, and their business income accounted for about 15% of the whole industry.
The third is the business model of property insurance companies. Property insurance companies can operate short-term health insurance after the implementation of the newly revised insurance law of 5438+ 10/June 2003. At present, the health insurance premium income of property insurance companies accounts for 10% of the whole industry.
In addition, many companies adopt the group business model to design large-scale healthy operation platforms. While integrating financial resources such as insurance, banks, securities, funds, etc., we will cross the border into the fields of medicine, food, housing, second-hand car consumption, etc. With the help of Internet technology, we will build a complete medical and health industrial chain by holding and purchasing hospitals, pharmacies, medical institutions, various specialized clinics, etc.
Baidu encyclopedia-business health insurance
People's Daily Online-Song Fuxing: Play the role of commercial health insurance and actively serve the construction of healthy China.
People's Network-Commercial health insurance is coming.