On the Issue of Commercial Insurance and Commercial Insurance Market in the Slovak Republic

The article is concentrated on the Slovak commercial insurance, commercial insurance market, non-life insurance, and international risks on the Slovak Republic. Since 1 May 2004, the Slovak insurance market has been part of the uniform European Union insurance market, which includes over 5,000 insurance companies. After Slovakia’s admission to the European Union, several legislative changes have been adopted in the area of commercial insurance industry, which also influenced non-life insurance and the insurance of international risks as part of non-life risks. The most recent act in the area of commercial insurance mentioned in the paper is the Act of the National Council SR No. 39/2015 Coll. on Insurance, in which there are legislative changes in life and also non-life insurance. Basic terms are defined and commented on in the first two chapters （Lowry, Rawlings, ＆ Merkin, 2015）. The nature of international risks as part of non-life risks is described in the second chapter. International risks are classified in the third chapter; international risks are subdivided in the paper into commercial or trade risks, political and economic risks, and special types of risks.

Lin Zhongjie On Commercial Insurance Companies

China’s insurance industry has gradually picked up the pace to open the domestic insurance market along with the deepening reform of its insurance system. In addition to a few domestic insurance companies, some foreign insurance companies given approval to handle insurance business in China have also joined the market. In the face of the serious situation, how and what should China’s insurance industry do? To

The Potential of Commercial Pension Insurance to Develop into One of the Pillars of Rural Pension Insurance:A Study from the Demand Perspective

The development of a multi-pillar pension insurance system is an effective solution for an aging society.Commercial pension insurance,as the third pillar of pension insurance,is an integral part of this system in China and can play a critical and complementary role in rural areas where support for the elderly is a more pressing concern and a second pillar of pension insurance remains absent.To this end,we first elaborate on the theoretical logic that commercial pension insurance can develop into one of the pillars of rural pension insurance.We then empirically test rural residents’willingness to participate in a commercial pension insurance plan(CPIP)in a probit model with household research data from rural areas in major labor-exporting provinces,such as Sichuan and Henan so as to explore whether commercial pension insurance has the potential to become one of the pillars of rural pension insurance.Our research findings can be synthesized in three points.First,rural residents out of agricultural production for five consecutive years are more willing to participate in a CPIP than other rural residents,indicating that progress in industrialization and urbanization can significantly boost such willingness.Second,the younger rural residents are more inclined to participate in a CPIP than the older generation.Third,income increases can significantly boost rural residents’willingness to participate in a CPIP.Thus,with progress in industrialization and urbanization and an increase in rural disposable income,commercial pension insurance has a promising potential in rural areas and can hopefully develop into one of the pillars of rural pension insurance.

The Impact of Commercial Insurance on Household Financial Vulnerability

This research examines the effects of commercial insurance on household financial vulnerability using data from the China Household Finance Survey(CHFS). Data were collected from 39875households in 29 provinces of China. The probit model was used to test the relationship between the study variables. The results show that commercial insurance participation reduces the likelihood of a household’s financial vulnerability. Heterogeneity analysis found that commercial insurance participation had a more significant dampening effect on the financial vulnerability of households with low personal expenses, low-income, low human capital, rural areas, and the central and western regions, indicating that commercial insurance has a universal effect. This study offers several policy implications for combating household financial vulnerability. First, improving the commercial insurance protection system in both urban and rural areas could improve households’ risk management capacity. Second,establishing tax-rewarding policies to encourage households to participate in commercial insurance.Third, increasing the popularity of commercial insurance, particularly in rural areas, and exploring the rural commercial insurance market.

普惠型商业医疗保险特定高额药品保障研究

目的研究我国普惠型商业医疗保险目前特定高额药品(以下简称“特药”)保障的范围及水平,为进一步完善普惠型商业医疗保险的保障水平提供参考。方法通过官方公众号、投保小程序收集2022年普惠型商业医疗保险的保障政策,采用政策文本分析法提取和分析参保条件、筹资标准、特药的类别及保障水平等内容。结果2022年普惠型商业医疗保险所包含特药数量的均数为28种,以肿瘤药为主。54.62%的商业医疗保险方案特药起付线设定为0,报销比例的均数为74%、中位数为80%。70.54%的商业医疗保险方案封顶线在100万元及以下。58.04%的商业医疗保险方案保障既往症人群的特药费用,但保障水平在不同程度上有所降低。结论我国普惠型商业医疗保险的特药保障有助于减轻患者的经济负担,满足患者多元化用药需求,但对既往症人群的保障水平较为有限。建议进一步优化特药保障责任,明确特药目录的遴选规则。

我国省级普惠式健康险发展现状

目的 了解我国省级普惠式健康险(普惠险)发展现状,厘清基本医疗保险、普惠险和百万医疗险的区别,分析普惠险当前存在的问题并对其未来发展提出可行性建议。方法 在31个省(自治区、直辖市)人民政府网、医疗保障局、卫生健康委员会、民政厅、人力资源和社会保障厅等政府官网以“普惠险”“惠民保”“补充医疗保险”为关键词检索相关政策文件和信息,同时配合各地的“本地保微信公众号”及各普惠险投保平台,搜集省级普惠险的参保信息以及具体的保障内容,时间截至2021年10月15日。结果 截至2021年10月15日,31个省级行政区中有19个地区共推出26款省级普惠险,保障责任集中于医疗保险目录内住院费用和特殊药品费用。普惠险的区域性、普惠性品以及特殊药品的保障是其与百万医疗险的主要区别。当前普惠险发展的问题体现在“两高一低一同”,即免赔额高而赔付限额虚高、可持续性低以及产品同质化严重。结论 建议医疗保障部门对普惠险进行背书和指导,合理设置省级普惠险的赔付标准和保障内容,提高普惠险产品的可持续性和抗风险能力;商业保险公司应加速迭代产品,适应市场需求,脱离同质化。