The staff of Chinese Life Guangzhou Branch carried out the medical assistance project of insurance for people in difficulty.
Courtesy of Chinese Life Guangzhou Branch.
2023 is a crucial year for the 14th Five-Year Plan. China proposes to give full play to the functions of the insurance industry as an economic shock absorber and a social stabilizer. The role of the insurance industry in national strategies such as the construction of "Healthy China", rural revitalization, and actively responding to the aging of the population is becoming increasingly prominent.
In 2003, Chinese Life Insurance Co., Ltd. *** (hereinafter referred to as "Chinese Life Insurance Company") was successfully listed overseas. Over the past 20 years, Chinese Life Insurance Company has always adhered to the political position of actively integrating into the overall situation of the country and serving the society and people's livelihood, actively participating in the construction of a multi-level medical security system, and deeply exploring the road of serving "Healthy China".
Chinese Life Insurance Company actively implements the spirit of relevant national policies, comprehensively carries out policy-based health insurance, vigorously develops commercial health insurance, actively manages national basic medical insurance, innovates and explores the development model of "insurance protection + health service", and helps the construction of the national multi-level medical security system.
Vigorously develop serious illness insurance for urban and rural residents, and do a good job in extending basic medical insurance protection. In 2012, six ministries and commissions of the state issued the "Guiding Opinions on Carrying out Serious Illness Insurance for Urban and Rural Residents" to implement the serious illness insurance system. Chinese Life Insurance Guangzhou Branch attaches great importance to, carefully deploys and actively promotes, and has become the most important partner to underwrite the serious illness medical insurance project for urban and rural residents in Guangzhou. Since 2014, a total of 43.1 million urban and rural residents have been insured, and the company has accumulated 88240,000 claims payout108.7 billion yuan, which greatly reduced the burden of self-payment on the insured. Critical illness insurance has effectively promoted the combination of leading and market mechanisms, improved the operational efficiency of basic medical insurance, and improved the level of risk protection for residents.
Actively participate in the pilot of long-term care insurance to promote the implementation of the national system. In order to actively respond to the aging of the population and improve the social security system, in 2016, the Ministry of Human Resources and Social Security issued the "Guiding Opinions on Carrying out the Pilot of the Long-term Care Insurance System" to organize and carry out the pilot of the long-term care insurance system. Chinese Life Insurance Company attaches great importance to the tenet of "leading the way, professional operation, capital preservation and small profits, and long-term operation", and is one of the first commercial insurance institutions to respond to the national long-term care insurance policy and participate in the pilot system. Chinese Life Insurance Guangzhou Branch took the lead in undertaking the long-term care insurance project in Guangzhou, providing appraisal and treatment management services for 3.83 million insured persons. Long-term care insurance has played an active role in reducing the financial burden of disabled families, improving the quality of life of disabled people, promoting the development of the pension industry, and innovating the social security management model.
Vigorously develop social security supplementary medical insurance, and expand the depth of inclusive insurance protection. As a supplement and extension of basic medical insurance and serious illness medical insurance, Chinese Life Insurance Company actively cooperates with ** to carry out related business. In response to the requirements of "continuously meeting the people's growing needs for a better life", the company developed a series of medical insurance supplementary medical products called "A Better Life" in 2018 to meet the diversified needs of employees and residents in various places for supplementary medical insurance business, and to promote poverty alleviation and rural revitalization. From 2021 to 2023, the Guangzhou Branch of Chinese Life Insurance actively connects with the ** "One City, One Policy" Huimin version of medical security needs, actively develops urban customized commercial medical insurance, and from 2021 to 2023, it underwrites the Guangzhou "Sui Sui Kang" urban customized supplementary medical insurance project with the chief insurer, with a cumulative number of 11.18 million insured people in the past three years, and as of November 2023, the cumulative compensation is about 15500 million yuan, about 540,000 people were compensated, and the personal burden reduction rate of the indemnified personnel reached 368%, the project has become a market benchmark in terms of insurance rate, coverage and protection level. For three consecutive years, the work report of Guangzhou City has regarded the pilot work of "Sui Sui Kang" as an important task to improve the social security system.
Actively develop commercial health insurance to help weave dense multi-level protection. Chinese Life Insurance Company actively implements a series of national policies for the development of commercial health insurance, continues to enrich the health insurance product system, increases health insurance product innovation, and continuously strengthens the research and development of commercial health insurance products for the elderly, chronic diseases, new citizens and other segments. Chinese Life Insurance Company has launched commercial health insurance product systems such as "China Life Fu" series, "China Life Kangningbao" series, "China Life Love Kangyue" series, and "China Life Guangdong-Hong Kong-Macao Greater Bay Area Medical Insurance", innovatively carried out the upgrading and research and development of multiple compensation products for major disease groups, gradually built a "product + service" ecosystem, and further extended the protection responsibility of relevant insurance products to overseas medical treatment, advanced diagnosis and treatment methods, and new drugsThe scope of health insurance underwriters has been gradually expanded, providing a richer and more diverse product choice for people with chronic diseases and sub-standard bodies, and the product configuration is also more comprehensive.
Standing at the new starting point of the 20th anniversary of the stock reform and listing, Chinese Life Insurance Company will always adhere to the people-centered development thinking, resolutely implement the decision-making and deployment of the superior level, practice the political, popular and professional nature of financial and insurance work, increase the supply of diversified products, improve professional service capabilities, be the "guardian" of health risks, be the "participant" of medical insurance governance, and be the "promoter" of people's health, and use the power of insurance to promote people's sense of gain, happiness and security.
Written by: Zhou Meilin and Lin Danni.