The semi annual claim settlement report of Shanghai Urban customized commercial supplementary medical insurance “huhuibao” was released.
On January 4, “huhuibao” officially announced that as of 24:00 on December 31, 2021, the total compensation amount of “huhuibao” exceeded 378 million yuan, the average daily compensation amount exceeded 2.7 million yuan, the maximum cumulative compensation for a single person exceeded 400000 yuan, and the maximum compensation amount for a single case was 300000 yuan.
At present, the insured in a single case with the highest compensation is a 4-year-old child with spinal muscular atrophy, who applied for specific hospitalization at his own expense. The treatment of this rare disease requires expensive drugs, which cost 550000 yuan per injection.
According to the disclosure of huhuibao, in terms of gender, women account for 54.83% and men 45.17% of the insured. In terms of age, 48.29% are 65 years old and above, and 51.71% are under 65 years old. Among them, he is 26-50 years old, accounting for 15% of the total compensation cases.
From the perspective of claim settlement timeliness, the number of reported cases of “huhuibao” exceeded 89000 within half a year, the daily settlement rate was 95.4%, and 1.5 cases were closed every minute.
As one of the numerous Huimin insurance products on the market, “huhuibao” has obtained insurance coverage for more than 7.39 million people in two months and a few days, setting the highest number of insured people in the first year of Huimin insurance, with an insurance coverage rate of 38.49%.
Prior to this, the claim settlement data released by “huhuibao” showed that the underwriting took effect for four months and the cumulative compensation was 220 million yuan. At that time, many people were worried about whether there would be “compensation and wear” according to this progress. In December last year, pan Yanhong, chairman of CPIC life insurance, the main insurer of “huhuibao”, said at the media exchange meeting of Huimin insurance project that the underwriting of “huhuibao” had been in effect for more than five months, and the overall operation was very stable, which also exceeded the expectations at that time. At that time, sales was an extraordinary challenge, and the continuous operation challenge behind sales was even greater. But now, the overall situation is still relatively ideal.
In an interview with surging news, people related to CPIC life insurance said that at present, the compensation of huhuibao still meets the expectation of product pricing. The “high” compensation of Shanghai Huibao shows that Lbx Pharmacy Chain Joint Stock Company(603883) has indeed enjoyed tangible benefits, which is also the original intention of Huimin insurance and has solved the real medical problems of some people.
Last April, “Shanghai Huibao” was officially released. Hu Hui Bao is 115 yuan / year, no age limit, no registered residence, no limitation of health status, no occupation, all basic medical insurance participants in Shanghai (including Shanghai workers medical insurance, urban and rural residents medical insurance personnel) can be purchased. The effective date of underwriting is July 1 this year, the guarantee period is one year, and it needs to be insured again in the second year.
“Huhuibao” is underwritten by the chief of China Pacific Insurance (Group) Co.Ltd(601601) Life Insurance Shanghai Branch, China Life Insurance Company Limited(601628) , New China Life Insurance Company Ltd(601336) , Ping an endowment insurance, PICC Health, Taikang endowment insurance, Ping An health insurance, Taiping endowment insurance, CCB life insurance, etc., and mgxin health provides support for drug services.
(surging News)
