提(ti)高“一老一小(xiao)”及新業態人群保障力度

　　上海(hai)證券報記者(zhe)獲悉，銀保(bao)監會近(jin)日發布《關于進一步豐富人(ren)身(shen)保(bao)險產品供給(gei)(gei)的指導(dao)意見》（下稱《意見》），進一步推動保(bao)險業深化供給(gei)(gei)側結構(gou)性改(gai)革，推動險企為(wei)消費者(zhe)提供豐富優質(zhi)的人(ren)身(shen)保(bao)險產品。

　　《意見》主要(yao)包(bao)含兩方(fang)面內(nei)容。一方(fang)面，多領域豐富(fu)人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品供(gong)給。包(bao)括支持(chi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機構主動承擔社(she)會責(ze)(ze)任(ren)，提(ti)(ti)(ti)供(gong)適當、有(you)效的普惠保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品；創新(xin)發(fa)展(zhan)各(ge)類養(yang)(yang)老保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品，探(tan)索將長(chang)(chang)期護(hu)理(li)責(ze)(ze)任(ren)、風(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)責(ze)(ze)任(ren)和(he)養(yang)(yang)老金領取安排與(yu)老齡(ling)(ling)照護(hu)、養(yang)(yang)老社(she)區等(deng)(deng)服務有(you)效銜(xian)接；立足長(chang)(chang)期健康保(bao)(bao)(bao)(bao)障(zhang)，提(ti)(ti)(ti)高(gao)重(zhong)大疾(ji)病(bing)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)水平，支持(chi)健康保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品和(he)健康管理(li)服務融合(he)發(fa)展(zhan)；提(ti)(ti)(ti)高(gao)投保(bao)(bao)(bao)(bao)年(nian)齡(ling)(ling)，對有(you)既往癥和(he)慢(man)性病(bing)的老年(nian)人(ren)群給予合(he)理(li)保(bao)(bao)(bao)(bao)障(zhang)，加(jia)(jia)快開發(fa)老年(nian)人(ren)特(te)定疾(ji)病(bing)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，加(jia)(jia)大對兒童先心(xin)病(bing)、罕見病(bing)等(deng)(deng)的醫(yi)療保(bao)(bao)(bao)(bao)障(zhang)；提(ti)(ti)(ti)高(gao)新(xin)產(chan)(chan)業新(xin)業態(tai)從(cong)業人(ren)員(yuan)、靈(ling)活就業人(ren)員(yuan)等(deng)(deng)特(te)定人(ren)群風(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)力度(du)，鼓(gu)勵開發(fa)區域性人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品，為不同(tong)區域的人(ren)群提(ti)(ti)(ti)供(gong)意外(wai)險(xian)(xian)(xian)、醫(yi)療險(xian)(xian)(xian)等(deng)(deng)各(ge)類保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)。

　　另一方面，有效提(ti)升(sheng)人身(shen)保險(xian)產(chan)品(pin)供給(gei)能力。《意見》要求保險(xian)機(ji)(ji)(ji)構(gou)優化(hua)(hua)(hua)產(chan)品(pin)開(kai)發(fa)管(guan)理(li)機(ji)(ji)(ji)制，探索分(fen)級分(fen)類(lei)管(guan)理(li)，有效改(gai)善產(chan)品(pin)供給(gei)質量；加快數(shu)字(zi)化(hua)(hua)(hua)轉(zhuan)型，配套開(kai)發(fa)適應(ying)各類(lei)場景且符合精(jing)算原理(li)的人身(shen)保險(xian)產(chan)品(pin)；加強(qiang)行業基礎研(yan)究，合理(li)劃(hua)分(fen)不同人群風險(xian)等級，探索制定各類(lei)行業標(biao)準發(fa)生(sheng)率表；改(gai)革(ge)產(chan)品(pin)監(jian)管(guan)機(ji)(ji)(ji)制，建設產(chan)品(pin)智(zhi)能審核系統和(he)登記管(guan)理(li)機(ji)(ji)(ji)構(gou)，發(fa)揮第三(san)方機(ji)(ji)(ji)構(gou)服務監(jian)管(guan)作用，提(ti)升(sheng)信息化(hua)(hua)(hua)水平(ping)和(he)監(jian)管(guan)質效，強(qiang)化(hua)(hua)(hua)屬地監(jian)管(guan)優勢(shi)，形成上(shang)下聯動的監(jian)管(guan)合力。

　　《意見》明確，鼓勵(li)支(zhi)持保(bao)險(xian)(xian)機構(gou)進(jin)一步提高投保(bao)年齡(ling)上限，加快滿足(zu)70歲及以上高齡(ling)老年人(ren)保(bao)險(xian)(xian)保(bao)障(zhang)(zhang)需(xu)求。適(shi)當(dang)放寬投保(bao)條(tiao)件(jian)，對有(you)既(ji)往癥(zheng)和慢(man)性病(bing)的老年人(ren)群給予合理保(bao)障(zhang)(zhang)。科學(xue)厘定產品(pin)價格，簡化投保(bao)、理賠流程，積極(ji)開發適(shi)應老年人(ren)群需(xu)要和支(zhi)付能力的醫療保(bao)險(xian)(xian)和老年人(ren)意外傷害保(bao)險(xian)(xian)產品(pin)。

　　近年來，人身保險產(chan)(chan)(chan)品數(shu)量(liang)增長較(jiao)快，但產(chan)(chan)(chan)品同(tong)質化情況嚴重，產(chan)(chan)(chan)品供(gong)給覆蓋面不(bu)夠廣，風險保障(zhang)(zhang)功(gong)能尚(shang)未充(chong)分發揮。《意見(jian)》表示，保險機構應多領域(yu)豐富產(chan)(chan)(chan)品供(gong)給，加大普惠保險發展力(li)度(du)，服務(wu)養老保險體(ti)系建(jian)設，滿足人民健(jian)康保障(zhang)(zhang)需求，提高老年人、兒童保障(zhang)(zhang)水平，加大新(xin)產(chan)(chan)(chan)業(ye)(ye)新(xin)業(ye)(ye)態從業(ye)(ye)人員、各種靈活就(jiu)業(ye)(ye)人員等特(te)定人群保障(zhang)(zhang)力(li)度(du)。

　　在加大快遞員(yuan)、外賣員(yuan)等新業態從業人員(yuan)保(bao)(bao)障力(li)度(du)方面(mian)，《意見》鼓勵支持保(bao)(bao)險(xian)機構積(ji)極發揮商業保(bao)(bao)險(xian)補充作(zuo)用，與基本社會保(bao)(bao)障制(zhi)度(du)加強銜接，充分考慮新產(chan)(chan)業新業態從業人員(yuan)和(he)(he)各種(zhong)靈活就(jiu)業人員(yuan)工(gong)作(zuo)特點，加快開發適合的(de)商業養老保(bao)(bao)險(xian)產(chan)(chan)品和(he)(he)各類意外傷害(hai)保(bao)(bao)險(xian)產(chan)(chan)品，提供(gong)多元化定制(zhi)服務。