I. Building commercial insurance into an important pillar of the social security system
1. Actively develop commercial pension and health insurance. Support insurance institutions to accelerate the development of enterprise annuity business and actively develop enterprise custody products. Support qualified enterprises to establish commercial old-age health protection plans. Encourage insurance institutions to develop exclusive endowment insurance products to support the aged care service industry. Develop comprehensive liability insurance for old-age care institutions. Enrich and improve personal savings endowment insurance products. Carry out the pilot project of housing reverse mortgage endowment insurance in a timely manner. Actively strive for a tax deferred pension insurance pilot. Support insurance companies to develop various health insurance products such as medical care, sickness insurance, disability income loss insurance and so on, which are connected with basic medical insurance. Encourage insurance institutions to strengthen cooperation with medical and health management institutions and develop supporting health insurance products. Develop commercial long-term care insurance. Encourage enterprises and individuals to meet the needs beyond basic medical insurance by participating in commercial insurance and various forms of supplementary insurance. On the basis of the pilot, we will gradually carry out supplementary work-related injury insurance to reduce the work-related injury risk of employers and strengthen the work-related injury protection for workers.
2. Promote the effective connection between commercial insurance and social security. Promote the establishment of a docking platform for sharing medical information between commercial insurance and social insurance. We will comprehensively promote commercial insurance institutions to undertake major illness insurance for urban and rural residents. Support the deep cooperation between medical insurance institutions at all levels and insurance institutions, strengthen the management and audit of basic medical expenses, and improve the efficiency of the use of medical insurance funds.
Two, give play to the important role of "three rural" insurance in supporting agriculture and benefiting farmers.
3. Further improve the agricultural insurance system and mechanism. Improve the access and exit mechanism of agricultural insurance agencies, optimize the formation mechanism of clause rates, and strengthen the construction of grassroots service network system. Implement the catastrophe risk reserve system of agricultural insurance. Strengthen the cooperation mechanism between insurance institutions and disaster prediction departments and agricultural authorities. Improve the technical standards for agricultural insurance survey and claim settlement, popularize and apply technologies such as aerial photography of unmanned aerial vehicles, satellite remote sensing and remote survey and loss determination, and improve the service level of agricultural insurance. Accelerate the formation of agricultural insurance information sharing mechanism.
4. Broaden the breadth and depth of "three rural" insurance. Continue to develop rice insurance, rape insurance, pig insurance and other types of insurance. Enrich the agricultural insurance product system, and vigorously develop the insurance of agricultural products with planting and breeding characteristics. Encourage insurance institutions to adapt to the needs of new agricultural business entities and develop insurance products with multi-level protection and combined insurance liability. Piloting the target price insurance for live pigs. Support insurance institutions to develop emerging products and services such as agricultural microfinance guarantee insurance. Encourage insurance institutions to explore and develop comprehensive agricultural commercial insurance products. Encourage all localities to actively develop agricultural infrastructure insurance according to local conditions, standardize the development of agricultural machinery insurance, expand the coverage of rural housing insurance, and carry out various forms of mutual assistance and cooperation insurance.
Third, give play to the supplementary role of insurance mechanism in improving the social governance system.
5. Vigorously develop liability insurance. Promote local legislation and explore and improve compulsory liability insurance systems such as environmental pollution, food safety, production safety and public fires. Actively develop environmental pollution liability insurance varieties, improve the terms and rates, expand the scope of environmental pollution liability insurance, and improve the participation rate of key pollutant discharge units in Xiangjiang River Basin, especially high-risk enterprises involved in environmental pollution such as heavy metals. Actively and steadily promote the pilot program of compulsory food safety liability insurance. Vigorously promote safety production liability insurance and improve the participation rate of enterprises in key industries and fields. Actively develop fire public liability insurance, encourage and promote public places of entertainment to participate in fire public liability insurance. Gradually expand the coverage of medical liability insurance and improve the participation rate of tertiary public hospitals and secondary public hospitals. Accelerate the development of school liability insurance, travel agency liability insurance, power supply liability insurance, various professional liability insurance and product liability insurance. Explore the development of public safety insurance, community comprehensive insurance, property liability insurance, housing construction quality liability insurance and other emerging businesses.
6. Improve the insurance protection for special people. Improve the insurance coverage of low-income groups, socially disadvantaged groups and volunteer groups, promote accidental injury insurance and volunteer public welfare insurance for the elderly, the disabled and orphans, and accelerate the development of insurance products for only-child families and elderly people who have lost their independence. Encourage qualified areas to raise financial funds and charitable donations to start "one yuan livelihood insurance" and other Huimin insurance, and continue to carry out volunteer public welfare insurance donation activities in Hunan. Actively support insurance institutions to develop accidental injury insurance and endowment insurance for courageous people. Actively develop a package of insurance for migrant workers and explore the use of insurance mechanisms to set up individual pension accounts for landless farmers. Vigorously develop farmers' health endowment insurance and small personal insurance, and promote the establishment of an insurance guarantee model combining small insurance with poverty alleviation mechanism.
Four, play the role of insurance funds in promoting the development of service economy.
7. Improve the insurance fund utilization mechanism. Increase publicity and training on the use of insurance funds. Further improve the construction of insurance fund investment project library, strengthen communication with relevant institutions for the use of insurance funds, actively promote exchanges and cooperation between financing institutions in the province and domestic and foreign insurance companies, and form a normal mechanism for the docking of insurance funds with investment projects in our province. Encourage and guide insurance funds to support people's livelihood projects and key projects such as infrastructure, shantytown renovation and urbanization in the province in accordance with the principle of marketization through debt investment plans and equity investment plans. Encourage insurance companies to provide financial support for the development of science and technology enterprises, small and micro enterprises and strategic emerging industries through various forms such as investing in corporate equity, creditor's rights, funds and asset support plans. Encourage insurance companies to set up medical institutions through equity investment and strategic cooperation, and participate in the restructuring of public hospitals. Guide and support insurance companies to invest in the old-age service industry in our province and build old-age communities and healthy old-age institutions. Support the establishment of regional insurance funds and industrial investment funds. Encourage all localities to introduce and implement policies to support the introduction of insurance funds in light of actual conditions.
The fifth is to cultivate a multi-level market system and improve the level of insurance services.
8. Improve the insurance market system. Encourage all kinds of capital to participate in shares or set up a property insurance legal person institution headquartered in Hunan. Vigorously support domestic and foreign insurance institutions to set up branches, regional headquarters, backup centers and franchise institutions such as SME insurance, Internet insurance and insurance asset management in Hunan. Develop professional credit insurance institutions. Optimize the market structure of insurance intermediaries and actively cultivate standardized, specialized and specialized insurance intermediaries in the region. Steadily promote the reform of insurance marketing system. Give full play to the role of trade associations and other self-regulatory organizations, and promote the professional, professional and standardized development of local insurance industry associations and insurance intermediary industry associations.
9. Support the development of local insurance legal person institutions. Support local insurance legal person institutions to improve the corporate governance structure and enhance their comprehensive strength by increasing capital and shares and introducing strategic investors. Encourage local insurance legal person institutions to enhance their independent innovation capabilities and actively cultivate new business growth points. Support the collectivization and cross-regional development of local insurance legal person institutions. Support local insurance legal person institutions to undertake serious illness insurance business for urban and rural residents and new rural cooperative medical insurance business. Encourage local insurance legal person institutions to develop all kinds of supplementary medical care and endowment insurance products, and explore the establishment of a comprehensive service platform for local endowment health insurance.
Six, by strengthening and improving supervision, to prevent and resolve risks in the insurance market.
10. Strictly regulate the insurance market order. Improve the guidance and coordination mechanism for the development of the insurance industry. Strengthen the construction of insurance credit information infrastructure, credit evaluation system of insurance institutions and disciplinary mechanism for dishonesty. Strengthen supervision capacity building, improve the level of legalization and informatization of supervision, and promote the modernization of insurance supervision. Strengthen the protection of insurance consumers' rights and interests, promote insurance institutions to operate in compliance with laws and regulations, and seriously investigate and deal with all kinds of acts that harm the legitimate rights and interests of insurance consumers. We will continue to improve the diversified settlement mechanism for insurance consumer disputes and comprehensively establish a docking mechanism for litigation, arbitration and mediation. Strengthen the coordination and communication between insurance supervision and public security, justice, industry and commerce, finance and other departments, and severely crack down on illegal and criminal activities such as insurance fraud, embezzlement, misappropriation of insurance funds and illegal insurance business.
1 1. Strictly guard against risks in the insurance market. Enhance the awareness of risk prevention in the whole industry. Constantly improve the comprehensive risk management mechanism, improve the technical means of risk prevention, strengthen risk early warning and dynamic monitoring, strengthen accountability and punishment, and continuously improve the ability to cope with risks. Improve the risk emergency plan, establish a joint emergency mechanism, continue to pay attention to phased key risks, and prevent group incidents. Establish and improve the coordination mechanism of financial supervision to prevent cross-industry and cross-regional transmission of risks.
Seventh, improve the supporting policies and optimize the development environment of the insurance industry.
12. Increase policy support. Governments at all levels are encouraged to entrust insurance institutions to handle or directly purchase insurance products and services. We will implement preferential corporate income tax policies for supplementary medical insurance, supplementary endowment insurance and policy agricultural insurance. Improve the agricultural insurance premium subsidies into the financial budget system of governments at all levels, and gradually reduce or cancel the county-level premium subsidies in major grain-producing counties and national poverty-stricken counties. Improve the distribution efficiency of agricultural insurance subsidy funds. Governments at all levels should make overall consideration of the development needs of the old-age care industry and health service industry in the overall land use planning, expand the supply of land for the old-age care service facilities and health service industry, and give priority to ensuring supply. Give play to the role of government guidance and financial support, study and establish a catastrophe insurance system with commercial insurance as the platform and multi-level risk sharing as the guarantee, and explore effective protection modes for earthquakes, mudslides, floods and other disasters. Intensify insurance publicity and enhance the insurance awareness of the whole society. Encourage and support qualified universities in the province to actively offer insurance and other related majors and courses, support the development of insurance professional colleges, and incorporate modern insurance knowledge into the regular learning and training content of administrative colleges at all levels.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.