安盛亮相中医药健康产业国际智库论坛
Traditional Chinese Medicine Health Industry International Think Tank Forum
9月3日，2023年中国国际服务贸易交易会·中医药健康产业国际智库论坛在首钢园召开，本次论坛聚焦社保+商保“双保险”的中西医结合家庭保健官服务模式，共促中医药、中西医结合服务与健康保险融合发展。安盛天平执行副总裁兼首席渠道管理和销售官周连成表示，“现在公众对保险的要求不仅是赔偿，还需要有更多服务。把中医药预防、保健、治未病等服务揉进保险产品设计中，不仅能让老百姓得到实惠，让赔偿变成陪伴，更是用经济手段、用制度方式，把中医药文化瑰宝得到更好地发展和提升的新路径。 ”
“双保险”中西医模式是具有中国特色的医疗保险模式，中央财经大学保险学院副院长徐晓华表示，当群众有中西医不同的个性化医疗需求时，商业保险可以发挥补充职能，从而提高整个国家医疗保障水平的层次。同时，商业保险可以借机创新产品，比如开发专门针对某种疾病的中医保险产品，或者开发将中医和西医相结合的复合型产品。这些产品可以为群众提供更加全面和个性化的全面保障，也可以让商业保险更全面地与社会基本医疗保险相衔接。
“目前，商业医疗险和中医/中西医并没有进行有效的结合。许多商业医疗险要么没有覆盖中医，要么在对其他项目不做限额（如西药检查费、治疗费）的同时却对中医做限额”，明亚保险经纪股份有限公司营销中心助理总监刘存鑫表示，“中医可以帮助商业保险控制赔付率，为客户提供增值服务。未来商业医疗险保险公司应该增强与中医的合作与交流，破除偏见。”
On September 3, the 2023 China International Fair for Trade in Services Traditional Chinese Medicine Health Industry International Think Tank Forum was held in Shougang Park. The forum focused on the “double insurance” model of social security + commercial insurance, which integrates traditional Chinese and Western medicine to jointly promote China’s high-quality development of healthcare, integrated traditional Chinese and Western medicine services and health insurance. Liancheng ZHOU, Executive Vice President and Chief Channel Management and Sales Officer, stated, “The public’s needs for insurance are not limited to compensation, but rather cover services including traditional Chinese medicine prevention, health care, disease treatment. Such a comprehensive package not only allows for the transformation of payer to partner, but also uses economic means and institutional methods to better develop and enhance the cultural treasures of traditional Chinese medicine.”
The “dual insurance” model is a healthcare insurance model with Chinese characteristics. Xu Xiaohua, deputy dean of the School of Insurance at the Central University of Finance and Economics, said that commercial insurance can play a complementary role when the public has different personalized medical needs for traditional Chinese and Western medicine. The participation of commercial insurance can improve the level of medical security in the entire country. At the same time, commercial insurance takes the opportunity to innovate products, such as developing traditional Chinese medicine insurance products specifically for certain diseases, or composite products that combine traditional Chinese medicine and western medicine. These products can provide the masses with more comprehensive protection, and can be integrated with social basic medical insurance.
“Currently, commercial medical insurance and traditional Chinese medicine and Western medicine are not effectively combined. Many commercial medical insurances either do not cover traditional Chinese medicine, or they do not impose the same limits on other items (such as Western medicine examination fees and treatment fees),” said Liu Cunxin, assistant director of the marketing center of Mingya Insurance Brokers. “TCM can help commercial insurance control the loss rate and provide value-added services to customers. In the future, commercial medical insurance companies should strengthen cooperation and exchanges with TCM to eliminate prejudice.”