What kind of group portrait has the network mutual aid industry developed in the past ten years? How much role has it played in the medical and health protection of our residents? What are the future development trends of the industry?
On May 7, the Ant Financial Service Research Institute released the nation ’s first “White Paper on Network Mutual Aid Industry”. The white paper shows that the actual number of participants in China’s online mutual assistance platform is 150 million in 2019, and it is expected to reach 450 million in 2025, covering about 32% of China’s 1.4 billion population. According to the statistics of the proportion of the total amount of severe disease online mutual aid in the social medical expenses of the whole society, in 2019, online mutual aid will increase the national average guarantee level of critical illness medical expenses from 60% to 60.73%, with a contribution rate of 0.73%. Rose to 3%.
It is understood that in mid-March 2020, the Ant Financial Research Institute conducted a questionnaire survey on members of China ’s online mutual aid industry through the Alipay questionnaire platform. By analyzing the recovered 58721 valid questionnaires, it was found that the members of the industry are mainly people with middle and low incomes, relatively lack of protection, and low affordability for serious diseases.
In terms of group portraits, the white paper shows that 79.46% of members have annual income below 100,000 yuan, and 72.1% come from third-tier cities and rural areas and below; 12.93% of members report no For social security, 68.40% of members reported that they had no commercial insurance.
However, according to the National Medical Insurance Bureau, as of the end of 2019, the number of people enrolled in full-caliber basic medical insurance was 135.436 million, and the coverage of insurance coverage was stable at more than 95%. For the data deviation of social insurance coverage of more than 95% and 12.93% without social insurance, the white paper believes that there may be two reasons. One is that members without basic medical insurance are more inclined to join the network for mutual assistance. Treated as resident medical insurance.
Zheng Bingwen, director of the World Social Security Center of the Chinese Academy of Social Sciences, said at the press conference that in addition to universal medical insurance and commercial health insurance, network mutual assistance based on the rise of Internet digital technology is under way Become a complementary force in China’s multi-level medical security system.
The white paper shows that according to the model, in 2019, the medical expenses (excluding commercial health insurance) of serious illnesses in our society will be about 730 billion yuan, and the total amount of mutual assistance funds for serious illnesses will be about It was 5.4 billion yuan, and the net mutual assistance accounted for 0.73%. In other words, based on the medical insurance for serious illnesses of our residents, online mutual assistance will increase the average coverage of the national medical expenses for serious illnesses from 60% to 6 in 2019.