In the future, when reviewing the lifelong health insurance plan, the part of the private insurance must be included in consideration to ensure the sustainable development of the medical system.
At the end of next year, the lifelong health insurance plan is about to usher in the 10th anniversary.This basic medical insurance has had a major adjustment before.The latest reforms announced a few days ago are forward -looking, but in terms of another dimension, the reform also reflects the challenges of the sustainability of internal and external trends on the sustainability of the medical financial system, especially the role of private insurance.
The core of this adjustment is that the Ministry of Health clearly stated that it is necessary to bring the medical expenses that can be fully covered with life insurance and health savings from 80 % to 90 % of the original intention.Because once the coverage rate decreases, lifelong health insurance can no longer be counted as national insurance, and the consumption adjustment effect on the entire medical industry will also weaken.In order to ensure this goal, emergency hospitals and community hospital claims, surgery fees, dialysis fees, organ transplant fees, and annual claims are all adjusted up.
At the same time, more projects are included in the guarantee scope of lifelong health insurance, such as home mechanical ventilation and respiratory assistance services, pediatric home care, donating people (for premature babies or babies with gastrointestinal problems), hemophilia, platelets, platelets, plateletsRare diseases such as reducing diseases, thalassemia, and muscle atrophy, as well as new treatment items such as cells, tissue and gene therapy.
Factors such as aging population, the improvement of medical technology and the rise in medical labor costs have also increased medical burdens, and lifelong health insurance must be held greater.Data from the Ministry of Health show that from 2020 to 2023, the number of payments for lifelong health insurance increases by 9.8%per year, and the amount of each payment increases by 3.4%per year.
The expansion of medical insurance coverage will inevitably lead to rising premiums.In order to assist the impact of the cushioning premiums, the Ministry of Health limits the premium increase to 35%, and gradually increases in three years.After the final round of premiums in 2027, the premiums of insureds in all ages will be introduced from 9%to 35%, an average increase of 22%.
But on the basis of lifelong health insurance, will the Integrated Shield Plan involved in private insurance companies, will the premiums rise sharply?Due to profit pressure, most of the insurance companies that provide IP have suspended premiums in the past two years, and they have raised premiums this year.In the future, some factors may continue to exacerbate the pressure of private insurance operators.
First of all, lifelong health insurance has incorporated expensive new technologies such as cells, tissue and genetic treatment into the scope of protection. Will private insurance companies follow up?According to the funding framework of the Ministry of Health, people with a per capita per capita per capita income of less than 1,1400 yuan can get 45%to 75%and up to 150,000 yuan, and the lifelong health insurance plan covers two -thirds of these allowance patients.EssenceHow will the cost risk be controlled if IP also starts to claim such treatment?
Secondly, the Deductible for lifelong health insurance will be increased and the deduction ratio will be reduced.This means that patients, especially patients with medical treatment in private hospitals, need to pay more.If IP will continue to pay up to 95%of the bills, the compensation rate of private insurance companies will increase, and it will face greater pressure.
Third, the premiums that cooperate with life insurance will be raised next year. The government will launch a supporting facilities with a total value of 4.1 billion yuan to reduce the burden on measures such as increasing premium allowances, additional filling of health savings accounts, and one -time health savings.The premium increase of 1.8 billion yuan year.Is there any mechanism to ensure that these fiscal allowances will not be indirectly allowed to apply for private insurance operators who can also apply for health savings?Because lifelong health insurance provides premium allowance, and some IP premiums can also be paid with health savings, is it more likely to increase premiums in private insurance companies?
Private medical industry and private insurance companies play an important role in the overall medical industry of Singapore.Their business model, charging structure, and consumer behavior will affect the overall medical expenses.Therefore, in the future, when reviewing the lifelong health insurance plan, the part of the private insurance must be included in consideration to ensure the sustainable development of the medical system.
