Medical health insurance: “pseudo†demand does not cut the gap in health care
China's health insurance market is experiencing rapid growth. In the first five months of 2016, the original insurance premium income of health insurance was 191.396 billion yuan, a year-on-year increase of 90.13%. There are more and more entrants expected in the health insurance market, and various products are constantly testing the water. However, behind this prosperous figure, the value of security has not really reflected. For example, the risk resistance of Chinese users in the face of catastrophic diseases is still very weak, and the majority of the market's critical insurance coverage of about 100,000 yuan still has a huge guarantee gap when actual users encounter catastrophic diseases. In addition, the unemployment, care and family life caused by catastrophic diseases are currently borne by the users themselves, and the financial gap is enormous. The proportion of long-term disability insurance and care insurance for this part of the market accounted for less than 0.1% of the overall market. The most urgent need for health protection for Chinese users comes from several reasons. First, more and more users, especially those who have a good education and a certain awareness of health protection, are aware that medical insurance is insufficiently protected against catastrophic diseases, chronic diseases, and health problems that require long-term treatment. The second is the fear of high incidence and early onset of diseases caused by lifestyle and environmental changes. Third, the cost of living has increased year by year, and the reduction in the number of small families and fertility means that once the risk occurs, fewer and fewer family members can share the family members (such as the elderly), and the family members of the family will have health problems. The impact will be catastrophic. From the characteristics of these users' concerns about catastrophic diseases, the most urgent need is to provide comprehensive coverage and protection in areas that are not covered by medical insurance. However, behind the current health insurance digital boom, the products and positioning that appear are not in line with the basic needs of users, and even in some respects are unable to provide "pseudo" demand for value protection. This is reflected in several types of products. The first is the small amount + relatively high frequency products, the most typical representative is the current enterprise enterprise supplement products. The characteristic of this type of product is that the user can get reimbursement in the daily clinic, which is relatively high frequency contact. However, the scope and amount of coverage are small. This kind of product seems to have more nodes in contact with the user. It seems that the user has been using the service and can be guaranteed, but in fact the demand for this kind of protection is very small. There are two reasons for this. First, high-frequency daily medical services do not pose a catastrophic threat to users, and the majority of medical insurance coverage can be covered. This is also the characteristic of wide coverage of medical insurance. There are not too many financial risks and concerns for users. Second, small amounts mean that such products cannot guarantee higher quality medical services. Users of such products are in most cases the same as those with only Medicare, and there is no service upgrade. There is no real added value to the user. Secondly, the products with low frequency and low guaranteed running capacity are typically represented by low-protection critical illness products. These products provide protection against low-frequency diseases, but for a variety of factors, such as speeding up the number of users, outperforming price wars or facilitating bundle sales in cross-selling, such products often pass prices that can quickly attract large numbers of users. And limited protection to compete for the market. Products designed under such an original intention cannot provide valuable protection in the face of low-frequency diseases that are costly to cause financial disasters, nor can they solve the problem of post-treatment treatment services and the huge security gap that comes with them.
Greenhouse Movable Irrigation System offer
uniformity and flexibility in irrigation, while reducing water and labor costs.
Available with multiple nozzles, allowing watering and misting options,
irrigation booms are adaptable to any crop. Depending on the boom selected,
multiple zones can be irrigated with one boom, allowing the grower to
effectively grow multiple crops in one house. All booms can be controlled
independently or through computerized controls.
Greenhouse Movable Irrigation,Greenhouse Irrigation,Greenhouse Movable Watering,Greenhouse Sprinkler System JIANGSU SKYPLAN GREENHOUSE TECHNOLOGY CO.,LTD , https://www.greenhousehydroponic.com