The influence of insurance industry on the rich

Of course it is good. I'll give you an article, which is an inventory of insurance industry in 20 15 years.

20 15 was affected by the "premium+investment" two-wheel drive, and the performance of insurance companies rose sharply. According to public data, in the third quarter of 20 15, the total profit of the insurance industry reached 244.0438+09 billion yuan, a year-on-year increase of 95.05%. The increase in industry profits is mainly due to the substantial increase in investment income of insurance funds; At the same time, the improvement of investment income is conducive to enhancing the attractiveness of insurance products and increasing the premium income of insurance companies in the process of interest rate reduction.

Serious illness insurance constitutes the "double insurance" of residents' medical security.

Event: The 13th Five-Year Plan proposes to fully implement the serious illness insurance system for urban and rural residents. Reform the payment method of medical insurance and give play to the role of medical insurance in controlling fees. Improve personal accounts and implement outpatient expenses as a whole. Realize the direct settlement of hospitalization medical expenses for retirees who are resettled in different places across provinces. Huang Hong, vice chairman of the China Insurance Regulatory Commission, said that it should be fully implemented before the end of 20 15, and a relatively complete serious illness insurance system should be established before 20 17.

Data: By the end of September this year, all major illness insurance schemes had been issued in China except Tibet, and 17 insurance companies carried out major illness insurance in 28 provinces (autonomous regions and municipalities), covering a population of 800 million. The reimbursement level has increased by10-15 percentage points. By the end of June this year, more than 4 million people in China had directly benefited from serious illness insurance, and the actual reimbursement level of seriously ill patients generally increased by 10- 15 percentage points.

Interpretation: Serious illness insurance is a new institutional arrangement to compensate the high medical expenses incurred by seriously ill patients after reimbursement of basic medical insurance. First of all, serious illness insurance and basic medical insurance for urban and rural residents together constitute the "double insurance" of residents' medical security, which effectively reduces the medical expenses of residents. Secondly, critical illness insurance is defined by high medical expenses, not by diseases. As long as the medical expenses exceed the reimbursement standard, they can be reimbursed in proportion to benefit more families.

The preferential tax policies for commercial health insurance have reduced consumption cost.

Event: On August 20th this year, the China Insurance Regulatory Commission officially issued the Interim Measures for the Management of Personal Tax Preferential Health Insurance Business, which clearly defined the commercial health insurance products enjoying tax preferential treatment. Tax preferential health insurance products adopt universal insurance, including medical insurance and personal account accumulation.

Data: At present, more than 100 insurance companies are engaged in commercial health insurance business, and the registered health insurance products cover four categories: sickness insurance, medical insurance, nursing insurance and disability income loss insurance, with more than 2,300 products. In the first half of 20 15, the premium income of commercial health insurance reached12,458.8 billion yuan, a year-on-year increase of 39.53%. Since 2009, commercial health insurance has paid more than 240 billion yuan, and accumulated medical insurance funds for policyholders have exceeded 350 billion yuan.

Interpretation: This product adopts universal insurance, emphasizes the compensation of medical expenses by market means, and cooperates with social security projects such as basic medical insurance and serious illness insurance, which is beneficial to health insurance as an important supplement to basic medical insurance and reduces the pressure of seeing a doctor. At the same time, the preferential tax policies for commercial health insurance reduce the consumption cost of individual consumers for commercial health insurance products, which means that it is cheaper to buy health insurance than before. In addition, starting from June 5438+ 10/this year, the insured in our city can use the personal account balance of the medical insurance card to purchase health insurance and accidental injury insurance provided by commercial insurance companies.

After the life insurance reform, the prices of mainstream products dropped by 20% on average.

Event: After the ordinary life insurance premium reform was started on 20 13 and the universal life insurance premium reform was started on 20 15, the dividend insurance premium reform was officially implemented on June 10. The formal completion of the "three-step" strategy of life insurance rate reform also marks the complete establishment of the formation mechanism of life insurance rate in China, and the pricing behavior of life insurance products will be more market-oriented.

Data: 20 14 general life insurance premium income increased by 265% year-on-year, and the growth rate was nearly three times higher than that before the reform. At present, ordinary life insurance has accounted for 34% of life insurance premium income, which is nearly 26 percentage points higher than before the reform. After the universal life insurance premium reform was implemented in February 2065438+2005, universal life insurance increased by 66% from March to June, accounting for 22% of life insurance premium income, which was 5 percentage points higher than that before the reform.

Interpretation: Since the personal insurance rate reform, the number of ordinary and universal rate reform products that have been put on record for approval has increased significantly, product differentiation has gradually emerged, and products that meet individual consumption needs have become more abundant. After the reform, the price of the mainstream products of ordinary personal insurance decreased by about 20% on average, while the price of universal products remained stable under the premise of improving the degree of protection, and consumers benefited from the reform.

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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.