In the blink of an eye, it has been one year since the “Huhuibao” was launched in April last year, and the new year’s insurance window period is approaching.

On May 6, the reporter learned from a number of people familiar with the matter that the 2022 version of Shanghai’s urban customized commercial supplementary medical insurance “Huhuibao” product plan is being submitted for approval , responsibilities and prices will be fine-tuned based on previous year data. Due to the epidemic, the application period will be postponed. Some people from participating institutions said that the price of “Shanghai Huibao” may have risen.

On April 27, 2021, the 2021 version of “Shanghai Huibao” was officially released. “Shanghai Huibao” is 115 yuan per year, and is not limited to age, household registration, health status, or occupation. All Shanghai basic medical insurance participants (including Shanghai employee medical insurance, urban and rural residents medical insurance) can Buy. The effective date of coverage is July 1, 2021, the coverage period is 1 year, and the insurance needs to be re-insured in the second year.

According to the official disclosure of “Shanghai Huibao”, the total number of insured people in the 2021 version of “Shanghai Huibao” exceeded 7.39 million, setting the first year of “Urban Customized Commercial Medical Insurance” The number of people participating in the insurance is the largest, and the first-year insurance rate is as high as 38.49%. Based on this calculation, the premium of the 2021 version of the “Huhuibao” product is about 850 million yuan.

It is worth noting that in 2021, the insurance time window for “Shanghai Huibao” will be from April 27 to June 30. In terms of time, this year’s product start time has been delayed. Will there be the phenomenon of retroactive compensation that happened in Zhejiang and other places in Shanghai?

A person who is deeply involved in the product design process of “Shanghai Huibao” bluntly told the news that it should not be, but there is a potential risk of overpayment in Shanghai.

Previously, the guarantee period of “Huiminbao” products in many places in Zhejiang was a complete natural year, but the time for insured was later than the start time of the guarantee, so there was a retrospective The phenomenon of previous compensation.

According to official disclosures, from July 2021 to February 2022, “Huhuibao” has paid a total of 524 million yuan in compensation, reducing medical care for 90,000 Shanghai citizens. cost burden.

In recent years, the Huimin Insurance business has been rolled out across the country, which is a new exploration of commercial health insurance services for people’s livelihood protection. In terms of product pricing, such new businesses also lack sufficient data support for reference. After operating for a period of time, it is also a normal commercial operation logic for the agency to adjust the guarantee responsibility and price of related products..

For the benefit-minting insurance business such as “Shanghai Huibao”, the biggest challenge in the future is the issue of project sustainability. It is precisely because of this that many people in the insurance industry have already anticipated that the price of such products may increase in the future. Even if the risk rate remains within the defined range, taking into account medical inflation and other issues, under the principle of capital preservation and low profit, premiums will also be adjusted based on inflation.

The data disclosed by the Shanghai Banking and Insurance Regulatory Bureau recently showed that from March to April, “Huhuibao” services such as claims settlement and consultation were stable and orderly. The average claim settlement time remained at 2.7 days, and the claim settlement rate remained at an excellent service level of 99.8%. The total number of calls to the “Huhuibao” telephone hotline exceeded 10,000, with a call-through rate of over 98%. All types of inquiries have been properly handled.