Huatai Securities pointed out that medical insurance payments are progressing steadily in the direction of saving medical costs and standardizing treatment costs, and the DRG/DIP payment system for hospitalization expenses characterized by “package payments” will achieve full coverage of eligible medical institutions by the end of 2025. The health insurance payment reform aims to improve the efficiency of the use of health insurance funds and guide medical institutions to control costs, which is of great significance for the stable development of the basic medical insurance system. However, for consumers who can pay, it has also stimulated higher demand for commercial medical insurance, and health insurance management departments actively support the “misplaced development” of commercial medical insurance and health insurance. The health insurance department is speeding up the sharing of medical insurance commercial insurance data to create conditions for the development of commercial medical insurance. It is estimated that mid-tier medical insurance will benefit a lot. It is expected to make great strides in the next few years, and premiums are expected to reach 35 billion to 105 billion dollars.

Huatai Securities pointed out that medical insurance payments are progressing steadily in the direction of saving medical costs and standardizing treatment costs, and the DRG/DIP payment system for hospitalization expenses characterized by “package payments” will achieve full coverage of eligible medical institutions by the end of 2025. The health insurance payment reform aims to improve the efficiency of the use of health insurance funds and guide medical institutions to control costs, which is of great significance for the stable development of the basic medical insurance system. However, for consumers who can pay, it has also stimulated higher demand for commercial medical insurance, and health insurance management departments actively support the “misplaced development” of commercial medical insurance and health insurance. The health insurance department is speeding up the sharing of medical insurance commercial insurance data to create conditions for the development of commercial medical insurance. It is estimated that mid-tier medical insurance will benefit a lot. It is expected to make great strides in the next few years, and premiums are expected to reach 35 billion to 105 billion dollars.