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根据《健康保险管理办法》规定,从2007年1月1日起,以“有病赔钱,无病还本”为卖点的返还型健康险正式退市。与此同时,泰康、平安等多家保险公司纷纷“谋变”,推出回归保障功能的新版健康险。与传统健康险相比,新险种普遍区分了有社保和无社保的人群,产品结构更趋合理,并且更多地考虑填补社保的空白。保险业人士表示,今后客户同时投保社会保险和商业健康保险,理赔时易形成冲突的现象将得以改变。
According to the “Health Insurance Management Measures”, from January 1, 2007 onwards, the “sick lose money, disease-free repayment” as the selling point of the return of health insurance officially delisted. At the same time, Taikang, Ping and many other insurance companies have “changed their minds” to launch a new version of the health insurance that returns to the security function. Compared with the traditional health insurance, the new insurance generally distinguishes people with social security and non-social security. The product structure is more reasonable, and more consideration is given to filling the gap in social security. Insurance industry said that in the future customers at the same time insured social insurance and commercial health insurance, claims easily form a conflict will be changed.