Dating mild disease does not exclude serious thyroid cancer insurance or welcome a wave of price cuts?

Dating mild disease does not exclude serious thyroid cancer insurance or welcome a wave of price cuts?
Critical illness insurance is an important protection product. At the level, there is news that the regulatory authorities will revise the definition of critical illness insurance.On the evening of March 31, the China Insurance Association (hereinafter referred to as: China Insurance Association) officially announced the “Revised Version of the Definition of Use of Diseases for Major Disease Insurance (Draft for Comments)” (hereinafter referred to as the “Draft for Comments”), andRecently, we have solicited opinions from the industry.It is reported that the conventional specifications were formulated in 2007, but the use of medical clinical diagnostic standards and the continuous development and innovation of medical technology, some of which can no longer meet the current industry development and consumer needs.So, what exactly has changed from the existing draft standard?What impact will the revised version have on insurance companies and insurance consumers?The first date of the definition of mild disease increases the number of covered diseases. The China Insurance Association said that this revision of the definition of severe disease has established a classification system for major diseases. The definition of mild disease for the first date will include malignant tumors, acute myocardial infarction, and stroke sequelae3This kind of core disease is divided into two grades according to the severity: severe disease and mild disease.In other words, some of the past surpassed severe diseases, but the current total cost of diagnosis and treatment is reduced. The diseases with good prognosis are clearly classified as mild diseases, which makes the payment standard more scientific and reasonable, and thus also adapts to the development of major disease insurance market.Mild diseases set clear industry standards and regulate market behavior.Indeed, the current coverage of critical illness insurance covers a large number of so-called “mild illnesses” and “moderate illnesses”. If the classification is achieved, it will help to clarify the standards of these concepts.The second major change is to increase the number of diseases and moderately expand the coverage.It is reported that the consultation draft will expand the definition of 25 severe diseases into 28 severe diseases and 3 mild diseases.In addition, the consultation draft also expanded the scope of disease definition. According to the latest medical progress, it expanded the coverage of 4 diseases including major organ transplantation, coronary artery bypass surgery, heart valve surgery, and aortic surgery, and improved severe chronic kidney disease.Definition of disease.It is particularly noteworthy that the previous definition of critical illness in the Internet was to eliminate thyroid cancer, which was also broken in the consultation draft.The China Insurance Association said that this revision did not exclude thyroid cancer, and even classified it according to the severity of the disease, and paid compensation according to the severity of the disease.Consumer protection is more comprehensive and the compensation conditions are more reasonable. In general, according to the latest medical practice, scientific classification of diseases and reasonable distinction between severe and mild diseases to make claims more accurate and precise are an important breakthrough in this revision.This has led to some early malignant tumors that are excluded from liability in the conventional specifications, and also replaced mild malignant tumors in the draft for consultation, such as skin cancers that have not occurred in lymph nodes and distant metastases other than melanomaAnd other diseases, therefore, consumer protection is more comprehensive.In addition, for consumers, the compensation conditions for the consultation draft are more reasonable.For example, for the “heart valve surgery”, the limitation condition that must be “implemented thoracotomy” stipulated in the original definition was removed, and replaced with “implemented open heart”.At the same time, the draft for comments is more standardized and unified. For example, in terms of the relevant content of the human injury standard, the expression “total loss of limb function” in the existing specifications is modified to use the industry standard “Life Insurance Disability Evaluation Standards and Codes”.The related expression of “Muscle Strength” is more authoritative and eliminates the destruction of consumers’ substitution of the definition of serious illness in terms of human injury standards and the disability standard description.The revised product has room for price cuts, but insurance companies may have little incentive to cut prices. However, there are also opinions that for consumers, due to the consultation draft, the serious illness is graded, so the subsequent serious illness is defined as a mild illness, Its degree of compensation is lower than before the revision.The view of China Merchants Securities Research believes that the degree of protection for consumers of new products has declined. Taking mild thyroid cancer as an example, only 20% of the sum insured will be paid after the revision, and 100% of the sum will be paid as a serious illness before the revision.However, according to the claims report data of each company, it is expected that the replacement of the new definition with respect to the old definition will reduce the rate of pure critical illness insurance products (the estimated space is about 10% -15%).However, Guosheng Securities Research believes that although there may be room for price reductions, small and medium-sized companies may have no incentive to reduce prices. Gradually, in addition to disease revisions in the later period, the incidence rate revision is also advancing. It is expected that the overall incidence rate will increase significantlyPrice increases; secondly, direct price reductions are detrimental to the interests of existing policy customers; Finally, small and medium-sized companies are currently approaching the floor price. Reinsurance companies reinsurance, solvency and long-term asset matching do not support long-term and very low-price strategies for small and medium-sized companies.Under the expectation of the second phase of “Compensation for the Second Generation”, the serious illness factor will be added, which will further increase the pressure on low-priced serious illness products.China Merchants Securities Research believes that for insurance companies, the consultation draft will definitely solve the problem of worsening the incidence of serious illnesses caused by “mild thyroid cancer” in previous years, and gradually phase out the compensation for new serious illness insurance products.Risk, it is not known whether to adopt price reduction measures. It is expected that companies will respond to alternative measures. Listed insurance companies are expected to have no price reduction incentives (you can increase or adjust other relevant responsibilities to increase customer protection coverage and sell)Increase the value rate of the product (it can also be considered that the confidence of the value rate will be increased, because there are still some insurance companies that have not fully considered the deterioration of serious illnesses in the value evaluation).Sauna, Ye Wang Pan Yichun editor Wang Jinyu proofreading Wei Zhuo

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