Health insurance trends as a supplement to health insurance

Unlike a few countries, such as the United States, most of the world's countries and regions have a broad coverage of social security modelUnder the broad coverage of health insurance, commercial health insurance is mainly to meet the user's health insurance-based increased protection needsDepending on the depth and breadth of protection in different countries and regions, commercial health insurance must be tightly around the protection gap to provide services, resulting in a regional market with different characteristicsthe market demand under different medical insurance systems is different, in the other countries and regions to learn from the development path of commercial health insurance, we must learn to distinguish between institutional differences and common needs of the publicOnly common needs are worth referring to, and the unique products in the institutional environment are difficult to learnfirst of all, the scope and depth of medical insurance coverage varies from country to country, which determines the direction of commercial insurance developmentWhen the depth of health care coverage in a region is strong, business insurance will focus more on expanding coverage, especially in non-new-need medical servicesBut it is precisely because the medical attributes to expand coverage are not strong, the user's willingness to purchase and pay price is relatively limited, the overall market size is relatively limitedUnless the policy allows for a dual system of health insurance and commercial insurance that allows some people to opt out of health insurance and join commercial insurance, the size of the commercial insurance market can take it to the next levelHowever, despite the implementation of such a development model in Germany, the market has been extremely slow to grow because of policies that severely limit the size of the population flowing into alternative commercial insurancebut in a region of the health care coverage depth is insufficient, commercial insurance priority to supplement the gap in the protection of major diseases, expanding coverage is not the coreIn these markets, business insurance is focused on safeguarding major illnesses and hospitalizations, and outpatient, dental and nursing services are not the focusIn the field of protection of major diseases, the original serious illness as the core, with the reform of the medical insurance payment system, medical services, especially the price of hospitalization services will be increasingly transparent, insurance products can provide more targeted protectionFor example, with the reform of the DRG payment system, the total amount paid for individual diseases and the average length of hospital stay will be transparent, which will facilitate the development of daily types of inpatient insurance productssecond, after determining the direction, the specific supply of commercial insurance products is subject to the game of health insurance and service providers, the key lies in price transparencyBefore the reform of the health care system, the expenditure on medical services was vague, different hospitals had different standards, and the services provided by each hospital were different, which resulted in different expenditures on medical services for the same disease in different hospitalsIn such a market, insurance products must take into account possible spending differences and rely more on risk aversion by setting deductibles, capping lines and increasing out-of-pocket ratios But with the introduction of DRG, payers and service providers agree on prices, and the same disease in a region (a province or state) can be equally priced, which provides a basis for insurance companies to accurately determine the cost of payment Although insurance products still need to rely on capping lines and out-of-pocket ratio stoue methods, but can launch layered products to meet the needs of different users, no longer rely on high deductibles such as a one-size-fits-all way for wind control finally, the actual purchasing power and willingness to buy determine the form and price of the product Generally speaking, the premium price is inversely proportional to the user limit, the lower the premium price, the more restrictions on the user, the less the user can actually get the compensation At this stage, customers are willing to accept high deductibles mainly to protect low-frequency high-risk gaps, but with the reform of the health care payment system to promote transparency in medical expenses, users will depend on their purchasing power to decide what to buy If there is a serious illness insurance to support, the user's willingness to buy may be concentrated in the absence of deductible in-patient insurance However, if purchasing power is limited, users will be more concentrated in low-cost high deductible products, although long-term medical insurance also covers minor and moderate diseases, but the high deductible still limits the actual payment of most conventional diseases, the market protection gap is still more obvious , as a result, similar to foreign markets, the Chinese market under the full coverage of health insurance, users of the demand for insurance products concentrated in the protection gap to supplement However, subject to the user's willingness to buy and purchasing power constraints, based on health insurance based on the payment of health insurance is also concentrated in the low-premium areas of critical health insurance, for the general inpatient services with greater needs can not be covered In the field of general inpatient services, users still have a large gap in self-funding, this part of the protection will be the focus of the future coverage gap.