In the past two years, urban customized commercial medical insurance (i.e. "Huimin insurance") has sprung up all over the country, setting off an unusual insurance boom. The "Shanghai Huibao" which officially took effect on July 1 last year refreshed the largest number of participants in the first year of a single project of "Huimin insurance".
Shanghai Securities News learned from its employees that the product scheme of "huhuibao" in 2022 has been basically formulated and is going through the audit process. It is expected to be announced in the near future. The overall idea is "slight increase of premium and upgrading of guarantee".
It is understood that the premium price of the 2022 version of "huhuibao" is planned to be increased by about 10 yuan on the basis of 115 yuan per person / year last year, but the specific premium remains to be further determined.
Although the premium is fine tuned, the protection responsibility is also significantly upgraded, including the expansion of the varieties of specific high drug costs in China, the cost of new overseas special drugs and the cost of car-t treatment drugs. Other guarantee responsibilities are basically consistent with the 2021 version.
It is reported that in terms of insured people, all Shanghai basic medical insured personnel (urban workers, urban and rural residents and people in need) can participate in the 2022 version of "huhuibao", which is basically the same as last year. At the same time, the target number of participants in the 2022 version of "huhuibao" will increase to 10 million from 7.39 million last year.
As the underwriting effective date of the 2021 version of "huhuibao" is July 1, 2021 and the guarantee period is one year, affected by the epidemic this year, consumers are more concerned about the insurance time of the 2022 version of "huhuibao".
It is understood that the renewal and sale of the 2022 version of "huhuibao" will set an appointment period and an insurance period. During the appointment period, regular customers are supported to renew the insurance with one click, and the payment will be deducted upon insurance; The overall sales model during the insurance period is the same as that of last year, with the promotion of old customers and new customers in the same period. The appointment period and insurance period take the official press conference as the time node, and the time of the press conference is to be determined.
According to the official data of "huhuibao", from July 2021 to February 2022, eight months after the "huhuibao" guarantee came into effect, the cumulative compensation is about 524 million yuan, and the average daily compensation for customers is more than 2.157 million yuan, reducing the burden of medical expenses for nearly 90000 people.
Since the outbreak of the epidemic in Shanghai, the "Shanghai Huibao" guarantee has never been cut off, which fully reflects the characteristics of benefiting and benefiting the people. Shanghai Securities News recently learned from the Shanghai Banking and insurance regulatory bureau that from March to April, "huhuibao" claims, consulting and other services were stable and orderly, the average claim settlement time was maintained at 2.7 days, and the claim settlement rate was maintained at the service level of 99.8%. The total number of "huhuibao" telephone hotlines has exceeded 10000, and the connection rate has exceeded 98%. All kinds of consulting documents have been properly handled. (he Kui)
