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上半年大病保险覆盖8.46亿城乡居民 居民最高赔付达百万
央广网9月21日消息(记者 马文静)自今年5月《中国保监会关于保险业支持实体经济发展的指导意见》发布以来,保险业加速回归保障本源,提高保障民生水平,在推广大病保险、创新医疗和养老服务、扶贫惠农等方面取得阶段性成果。
数据显示,截至2016年底,共有16家保险公司在全国30个省(区、市)开展了大病保险,覆盖城乡居民10.1亿人。2017年上半年,已完成续签的大病保险项目共覆盖了8.46亿城乡居民。 保监会资金部副主任贾飙表示,5年多来,全国累计有超过1300万人直接受益于大病保险,各地大病患者医疗费用的实际报销水平普遍提高了13个百分点,全国城乡居民最高赔付达112万元,切实减轻了老百姓的经济负担,城乡群众“因大病致贫”“因大病返贫”问题得到有效缓解,对困难家庭堪称“雪中送炭”。 同时,保监会支持保险业发挥保险资金规模大、长期可持续等特点,参与投资、参股医疗机构和公立医院改革,推进社会办医。目前已有项目相继落地,如阳光人寿投资建设阳光融和医院、泰康人寿收购南京仙林鼓楼医院等。贾飚表示,保险资金进入医疗行业,有助于缓解卫生资源投入不足的矛盾,形成合理的多元办医格局和医疗服务竞争机制。 在投资养老社区方面,保监会支持保险资金参与养老社区的投资与运营,开展养老产业领域的创新和探索。截至2017年6月末,共有中国人寿、泰康人寿、太平人寿等8家机构投资29个养老社区项目,分布于北京、天津、河北、上海、江苏、海南等东部沿海的18个省区,占地面积超过1200万平方米,计划投资金额678.2亿元,床位数超过4万个。目前,部分养老社区项目已投入运营。 “金融扶贫,保险先行”。贾飚表示,上半年,保险业建立以农业保险、大病保险为核心的保险扶贫保障体系,防止贫困户因病因灾返贫致贫。截至2017年7月,我国农业保险累计为190余种农作物提供风险保障1.32万亿元,承保农户1.44亿户次,支付赔款183.75亿元,受益农户2383.08万户次。
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