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前7月健康险增速大降88个百分点 网销防癌险却飙升

2017-09-14 07:12:21   中国经济网

不难发现,和谐健康与人保健康的原保费远高于其他4家险企,但增速却出现较大幅度下滑,尤其是和谐健康出现大幅下滑。而平安健康、昆仑健康、太保安联健康却出现两倍以上的增长。

从保户投资款新增交费来看,和谐健康、人保健康、平安健康、昆仑健康4家险企(其他2家无该项数据)分别为13亿元、58.8亿元、1亿元、12亿元,增速分别为-96.7%、59.0%、88.7%、-73.4%。

对于健康险保费增速的下滑,本报记者此前从业内获悉,随着监管加强对中短存续期产品的管理,此前一些存续期较短的护理保险受到冲击,健康险保费出现下滑。

网销健康险飙升

引人关注的是,虽然行业健康险保费增速出现较大幅度下滑,但网销健康险却出现数倍增长,尤其是网销防癌险出现近10倍的增长。

保监会近期披露的数据显示,互联网渠道正在转向开发高保障、低保费的产品,推动保险业在健康领域的精耕细作,进一步彰显保险服务实体经济和社会发展的本质属性。多家保险公司率先在互联网渠道对健康保险等进行优化升级,推出消费型百万医疗及定期寿险等具有保障高、保费低特点的保障型产品。

数据显示,互联网渠道的健康险保费呈爆发式增长态势,上半年实现规模保费29.1亿元,增幅102%,占互联网人身保险总保费的2.9%,同比增长1.6%;同时,在政策环境及行业各公司越发重视自有客户发展的氛围下,各寿险通过自有平台共实现健康险规模保费12.4亿元,同比增长222%,其中,防癌保险增长最为迅速,同比增加近10倍,护理保险和重大疾病保险增速紧随其后,分别为874%和245%。

去年10月国务院印发“健康中国2030”规划纲要,一时间关于健康中国的各种讨论不断展开。统计数据显示,2015年我国的健康服务总产值是4万亿元左右,其中健康保障服务业为1750亿元,占比仅为4%。“健康中国2030"规划提出,到2020年健康服务业规模超过8万亿元,到2030年要达到16万亿元水平。商业健康险将迎来较大的发展空间。

对于商业健康险的发展,中保协会长朱进元认为,目前商业保险的发展占尽了天时地利人和,不过,保险业围绕商业健康保险这个大蛋糕转了很多圈,始终无法入手、无法参与,希望险企从发达市场经验中找到启发,未来在产品开发层面、在服务创新层面有所突破。

虽然健康险市场的蛋糕大,但竞争也颇为激烈。除目前6家专业健康险公司之外,绝大多数人身险公司和财产险公司均可涉足健康险相关业务,而今年以来各险企在“百万护理险”、防癌险等领域展开角逐。

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