The new version of the measures for the Administration of Health Insurance shall not induce consumers to purchase repeatedly
Recently, the China Banking and Insurance Regulatory Commission issued the newly revised "measures for the Administration of Health Insurance" (hereinafter referred to as the "measures"), which aims to further promote and standardize the development of health insurance and strive to meet the growing health security needs of the people.
It has been learned that the "measures" have been comprehensively revised from the aspects of definition, classification, product supervision, and sales management of health insurance, standardize the design, sales and operation of health insurance products, and settle claims, and encourage health insurance to fully assume social responsibility. In terms of conceptual positioning, health insurance is positioned as an important part of the national multi-level medical security system, improve the definition and business classification of health insurance, and bring medical accident insurance into health insurance.
In the aspect of product standardization and management and sales, the measures define the conditions that should be possessed in the operation of health insurance, promote the professional level of operation, adhere to the protection attribute of health insurance, and clarify the product characteristics and requirements of all kinds of health insurance products. Insurance companies are encouraged to apply information technology and big data to health insurance product development, risk management, claims settlement, etc., to improve the level of management.
In terms of consumer protection, The measures impose prohibitive provisions on the sale of health insurance products by insurance companies not to be forced to sell with other products or to induce repeated purchase of cost-compensated medical insurance products with the same or similar protection functions. It is clear that the insurance company shall not require the insured to provide or illegally collect or obtain genetic information or genetic testing data other than the family medical history of the insured; Absorption and adoption of relevant health care reform policies in recent years, such as preferential support for the poor.
"in the next step, the CBIC will continue to implement the requirements of the CPC Central Committee and the State Council on the development of health insurance, do a good job in publicizing and implementing the measures, and improve the relevant supporting detailed rules. To guide the insurance industry to better serve the reform of the national medical and health system and the implementation of the healthy China strategy. " The relevant person in charge of the Banking and Insurance Regulatory Commission said. (reporter Li Chenyang)