Recently, Dongguan Ping An Life released its 2023 claims annual report. According to the data, the total amount of claims of Ping An Life in Dongguan in 2023 will be as high as 10100 million yuan, claims service customers about 960,000 person-times, of which the top ten claims cases paid nearly 32 million yuan, and the highest single claim payment was 62890,000 yuan.
Malignant tumor claims are at the top of the list, and critical illness protection needs to be improved urgently.
According to the 2023 annual report, the amount of critical illness claims accounted for 55% of the total amount of claims1%, up to 5600 million yuan. In terms of gender, the proportion of women is slightly higher than that of men; From the perspective of age group, the middle-aged group accounts for the highest proportion, and most of them are family pillars. Claims experts remind that the health of the family pillar plays a pivotal role in maintaining the stability of the family, and its protection against risks is particularly important.
In addition, it can be seen from the data of multiple dimensions that malignant tumors are the top of the list in critical illness claims. However, it is worth pondering that from the perspective of the amount of critical illness compensation, nearly half of the cases with compensation of less than 100,000 yuan are paid. It is not difficult to find that most customers are not equipped with sufficient critical illness protection, and when faced with risks such as disease infestation and sharp loss of income, critical illness protection of less than 100,000 yuan cannot truly alleviate the pressure on medical treatment and life.
The highest compensation for death is 62890,000 yuan, but less than 500,000 yuan or more
In 2023, the maximum amount of death benefit for Dongguan Ping An Life will be 62890,000 yuan. It is understood that the customer is a 54-year-old business elite who unfortunately died of endometrial cancer at the end of 2022, and his family filed a death claim in early 2023 and finally received 62890,000 yuan of death benefit.
The annual report shows that in 2023, Dongguan Ping An Life will pay 1,236 death claims, with a compensation amount of 1700 million yuan. From the perspective of gender, the proportion of death benefits for men is much higher than that of women; From the perspective of the amount of death benefits, the number of claims below 100,000 yuan accounted for 634%, and the number of cases with compensation of more than 500,000 yuan accounted for less than 4%. It can be seen that in the case of the gradual expansion of the middle class, the security of personal value has not been improved in time with the increase of family income.
Medical out-of-pocket is still 146%, pay attention to the issue of medical insurance matching.
The annual report also shows that in terms of medical insurance claims, the proportion of medical insurance reimbursement is only 507%, and the proportion of commercial insurance claims was 347%, and the out-of-pocket proportion is still 146%。Social security is a national-level policy guarantee, but it still cannot achieve full reimbursement of medical expenses. As the "social security + commercial insurance" model is widely known, customers need to consider the matching issue in the choice of commercial medical insurance.
Claims experts suggest that we should pay attention to the combination of small medical insurance + million medical insurance, in which it is necessary to choose medical insurance that can reimburse expenses outside the scope of social insurance, which is the best solution to make up for the loss of medical expenses.
Text |Zhou Xiaoling.