Gong Qiao
General Manager, Great Health Business Unit, Taikang Online Property Insurance Co., Ltd.
He has been engaged in the life insurance industry for 13 years and has extensive industry experience. He has worked as a product manager for eHealth Chian Inc's online business health insurance website; he was the head of the channel management department of the health insurance division of Taikang Life Insurance Corporation.
Theme sharing
In the early 1980s, China began to develop commercial health insurance. Today's personal insurance companies, property insurance companies, and professional health insurance companies are all operating health insurance businesses. In recent years, health insurance premium income has increased year by year, and the proportion of personal insurance premium income has also increased year by year. By 2015, this proportion has reached 14.8%. However, compared with the mature market health insurance premium income accounted for more than 30% of the personal insurance premium income, China's commercial health insurance still has a lot of room for development.
There are many factors affecting the development of commercial health insurance. I think the most important ones are four points: the government's attitude toward commercial health insurance development, the public medical security system, the medical service system framework, and the sales channels and sales models of commercial health insurance itself.
Total premiums for domestic life insurance increased by 85% from 2010 to 2015
Internet insurance has grown more than 69 times
This time, I will share with you the impact of the Internet on the development of commercial health insurance from the perspective of the medical service system framework and the sales channels of commercial health insurance.
Regarding the medical service framework, it is closely related to the service model of the medical institution, the quantity of service provision, and the supervision mode of the medical institution. Internet medical care changes today's medical health services in different service models and supply numbers.
Another big impact comes from sales methods and sales channels. Commercial health insurance traditional sales channels mainly rely on group direct sales, that is, supplementary medical insurance for enterprise sales and personal sales for insurance business personnel, as well as bank agents, telephone sales and brokerage agents. These are the main sales channels for commercial health insurance, and of course the Internet has been added as a new channel. Therefore, I believe that the Internet affects the development of today's commercial health insurance from both the sales channel and the medical service system.
We have called the last decade of the golden decade of the insurance industry. From 2010 to 2015, the total premium of domestic life insurance has increased by 85%. The development of Internet insurance is even more surprising. The total premium income of the Internet reached in 2015. With a total of 223.4 billion, the total premium Internet insurance grew by more than 69 times from 2011 to 2015. Its growth rate is much higher than the overall level of the industry. The market share of Internet insurance in the insurance industry has also increased year by year, reaching 9.2% in 2015.
The Internet medical industry is also booming. In the two high-growth industries and the Internet, Internet medical + Internet insurance, if there are more resources integration and better integration mode, will certainly create more miracles.
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