中證(zheng)網(wang)訊（記者(zhe) 歐陽劍環）銀(yin)保(bao)(bao)(bao)監(jian)會(hui)(hui)新聞(wen)發言人(ren)11月19日在(zai)答記者(zhe)問時表示(shi)，近年來，銀(yin)保(bao)(bao)(bao)監(jian)會(hui)(hui)認真落實黨中央、國務院決(jue)策部署，高度重視老年人(ren)日益增長的養老保(bao)(bao)(bao)障和社會(hui)(hui)服(fu)務需求，加強(qiang)頂層設(she)計(ji)，完善政策支持(chi)，鼓勵保(bao)(bao)(bao)險機(ji)構發展(zhan)各類老年人(ren)保(bao)(bao)(bao)險產品，豐富(fu)老年人(ren)可選擇的商(shang)業保(bao)(bao)(bao)險品種，充分發揮商(shang)業保(bao)(bao)(bao)險在(zai)社會(hui)(hui)保(bao)(bao)(bao)障體系中的重要作用。

　　一(yi)是(shi)出臺(tai)長期醫療險相關(guan)政策。引入費率調整機制，規避因醫療費用上漲(zhang)帶(dai)來的保(bao)險產品(pin)定價風險，從制度上解決(jue)老(lao)年人(ren)和患病人(ren)群難以購(gou)買商業醫療保(bao)險的問(wen)題(ti)。截(jie)至今年10月，已上線25款投保(bao)年齡(ling)超過(guo)70歲的費率可調長期醫療險產品(pin)。

　　二是豐富老(lao)年人保(bao)(bao)險(xian)供(gong)給。引導保(bao)(bao)險(xian)業在風險(xian)可控的前提下，進一步放開相關產品(pin)投保(bao)(bao)年齡(ling)和續(xu)保(bao)(bao)年齡(ling)上限。目前可供(gong)老(lao)年人選擇的產品(pin)超(chao)過1000個，基(ji)本涵蓋了(le)老(lao)年人最為關注的疾病險(xian)、醫療險(xian)、意外險(xian)、養老(lao)險(xian)等(deng)產品(pin)。

　　三是編制老(lao)(lao)年(nian)人(ren)常見重(zhong)(zhong)疾病(bing)種發生率表。對各(ge)病(bing)種發生率表擴展(zhan)至高年(nian)齡段，并首(shou)次編制兩種老(lao)(lao)年(nian)人(ren)常見病(bing)種（嚴重(zhong)(zhong)阿爾茨海默癥和嚴重(zhong)(zhong)原發性帕金森病(bing)）發生率表，為老(lao)(lao)年(nian)人(ren)保險產品的開(kai)發和創新提(ti)供定價基礎。

　　該發言人(ren)(ren)介紹，截(jie)至目前(qian)，全國有(you)(you)1.07億(yi)60歲及以(yi)上老年人(ren)(ren)持有(you)(you)商(shang)業(ye)保(bao)(bao)(bao)險(xian)(xian)保(bao)(bao)(bao)單，老年人(ren)(ren)商(shang)業(ye)保(bao)(bao)(bao)險(xian)(xian)滲透率（購買商(shang)業(ye)保(bao)(bao)(bao)險(xian)(xian)的(de)人(ren)(ren)數(shu)(shu)(shu)(shu)/人(ren)(ren)口總數(shu)(shu)(shu)(shu)）為41%。老年人(ren)(ren)保(bao)(bao)(bao)單件(jian)數(shu)(shu)(shu)(shu)2.26億(yi)件(jian)，占保(bao)(bao)(bao)險(xian)(xian)業(ye)全部(bu)保(bao)(bao)(bao)單件(jian)數(shu)(shu)(shu)(shu)的(de)11%。“十三五”期間(jian)，老年人(ren)(ren)保(bao)(bao)(bao)險(xian)(xian)累計實現(xian)保(bao)(bao)(bao)費(fei)收入(ru)1.4萬億(yi)元，承(cheng)保(bao)(bao)(bao)人(ren)(ren)次、保(bao)(bao)(bao)費(fei)收入(ru)呈現(xian)逐年上升態(tai)勢，投保(bao)(bao)(bao)積極(ji)性明顯提(ti)高。

　　該發(fa)言人(ren)稱，下一(yi)步，銀保(bao)(bao)(bao)監會(hui)將督促保(bao)(bao)(bao)險(xian)(xian)(xian)機構積極對(dui)接老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)保(bao)(bao)(bao)險(xian)(xian)(xian)需求，開(kai)發(fa)相(xiang)關產(chan)品(pin)，提(ti)(ti)高(gao)老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)保(bao)(bao)(bao)障水平。一(yi)是提(ti)(ti)高(gao)養(yang)(yang)老(lao)(lao)(lao)(lao)保(bao)(bao)(bao)障水平。積極引(yin)(yin)導和規范專屬養(yang)(yang)老(lao)(lao)(lao)(lao)險(xian)(xian)(xian)試點，支(zhi)持(chi)保(bao)(bao)(bao)險(xian)(xian)(xian)公司發(fa)展(zhan)提(ti)(ti)供終身領取功能的(de)(de)養(yang)(yang)老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)金(jin)保(bao)(bao)(bao)險(xian)(xian)(xian)，滿足(zu)長期養(yang)(yang)老(lao)(lao)(lao)(lao)資金(jin)管(guan)理(li)需求；優化老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)住房反向(xiang)抵押養(yang)(yang)老(lao)(lao)(lao)(lao)保(bao)(bao)(bao)險(xian)(xian)(xian)支(zhi)持(chi)政(zheng)策，為失獨、單身高(gao)齡(ling)等(deng)(deng)老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)群體盤活養(yang)(yang)老(lao)(lao)(lao)(lao)資源(yuan)。二(er)是優化老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)保(bao)(bao)(bao)險(xian)(xian)(xian)服務(wu)。引(yin)(yin)導保(bao)(bao)(bao)險(xian)(xian)(xian)公司在風險(xian)(xian)(xian)可控的(de)(de)前(qian)提(ti)(ti)下，放(fang)寬對(dui)老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)群的(de)(de)投保(bao)(bao)(bao)年(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)限制、允許老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)在既(ji)往癥不賠(pei)的(de)(de)前(qian)提(ti)(ti)下帶病(bing)(bing)投保(bao)(bao)(bao)、提(ti)(ti)供保(bao)(bao)(bao)證續(xu)保(bao)(bao)(bao)。充分運用現代服務(wu)手段和互聯網技術，簡化理(li)賠(pei)流程。三是豐富老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)健(jian)(jian)康險(xian)(xian)(xian)供給。引(yin)(yin)導開(kai)發(fa)以心血(xue)管(guan)疾(ji)病(bing)(bing)、阿爾茨海默(mo)癥、帕金(jin)森氏病(bing)(bing)等(deng)(deng)老(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)人(ren)高(gao)發(fa)的(de)(de)特定(ding)疾(ji)病(bing)(bing)保(bao)(bao)(bao)險(xian)(xian)(xian)和醫(yi)療保(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)品(pin)，加強(qiang)保(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)品(pin)與健(jian)(jian)康管(guan)理(li)、慢病(bing)(bing)管(guan)理(li)等(deng)(deng)健(jian)(jian)康服務(wu)融合。