The process of going to Taian Central Hospital
1. Walk about 110m from Taishan station to the railway station
2. Take K12, pass 2 stations,
to the Central Hospital Station (or take No. 32)
3. Walk about 210m to Taian Central Hospital (East
located at the foot of the magnificent Mount Tai, Taian central hospital undertakes the medical and health care tasks of the city's 5.4 million population and more than 10 million Chinese and foreign tourists every year, as well as the technical guidance tasks for the hospitals of all counties, cities and districts in the city. At the same time, it undertakes the clinical practice and probation teaching task of Taishan Medical College. It is a modern comprehensive hospital with complete professional departments, reasonable talent structure, strong technical force, advanced medical equipment, outstanding professional characteristics, and comprehensive development of medicine, ecation, research, prevention and health care
Company Name: Tai'an central hospital
headquarters: Tai'an City
time of establishment: 1948
business scope: medical institutions
nature of the company: public hospital
hospital grade: Class III a
hospital type: General hospital
bus line: No.11 West Ring Road, the whole journey is about 6.9km
1. Take No.11 West Ring Road from Tai'an east bus station, pass 17 stops, and reach Longtan Road intersection station
2. Walk about 380m to Tai'an central hospital
bus line: No.14, the whole journey is about 1.7km
1. Take No.14 from the old bus station, pass 2 stops, and arrive at the Central Hospital Station
2. Walk about 280m to Tai'an central hospital
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the market concentration of Internet insurance business is much higher than that of traditional business, and the high market concentration of Internet vehicle insurance business is more obvious
(1) overall business market concentration:
from January to December 2014, the total premium of Internet all risks insurance was 50.570 billion yuan, and there were 11 companies with a scale of over 100 million yuan, with a total premium income of 50.284 billion yuan, accounting for 99.43% of the instry as a whole. PICC, Ping'an, Dadi, Pacific and sunshine all exceeded 1 billion yuan, with a total premium income of 47.771 billion yuan, Five companies account for 94.47% of the instry as a whole. PICC and Ping'an account for more than 10 billion yuan, and Dadi account for more than 3.4 billion yuan. The total premium income of the first three companies is 43.094 billion yuan, accounting for 85.22% of the whole instry. In the same period, the top three companies in the overall market (PICC, Ping'an and Taibao) accounted for 64.70% of the total premium, and the concentration of Internet insurance market far exceeded that of Omni channel market
(2) vehicle insurance market concentration:
from January to December 2014, the accumulated premium of Internet vehicle insurance was 48.339 billion yuan, accounting for 95.59% of the total Internet. There are 9 companies with over 100 million yuan, totaling 48.199 billion yuan, accounting for 99.71% of the accumulated premium of the instry's auto insurance Internet; The companies with more than 1 billion yuan are PICC, Ping'an, Dadi, Pacific and sunshine, accounting for 97.80% of the instry's Internet premium of auto insurance; PICC, Ping'an and Dadi account for 42.711 billion yuan in total, accounting for 88.36% of the total premium of the instry. The market concentration of Internet auto insurance is higher than that of Internet insurance
(3) non auto insurance market concentration:
from January to December 2014, Internet non auto insurance premiums totaled 2.231 billion yuan, accounting for 4.41% of Internet insurance business. There are five companies with a scale of over 50 million yuan, including Zhongan, Huatai, Ping An, Pacific and Meiya, with a total of 2.028 billion yuan, accounting for 90.91% of the instry's non auto insurance Internet premiums. Among them, Zhongan, Huatai and Ping An have a scale of over 100 million yuan, accounting for 83.84% of the instry's auto insurance Internet premiums
the Internet procts of property insurance are constantly enriched and new. While increasing the online networking of traditional insurance, the innovation ability of new procts is constantly strengthened. Under the framework of relevant regulatory development guidance, in order to meet the needs of customers, with the concept of user experience first, and relying on Internet big data, it is constantly innovated from the aspects of security content and risk control, Developed a lot of consumer recognition, market trust insurance procts
1. Features of Internet procts:
(1) fragmentation / granulation: the fragmentation of insurance procts is mainly reflected in the fact that the insurance period is more consistent with the time of transferring risks, the protection content is more consistent with the expected risks, the insurance cost and sales price are greatly reced, and the terms are simple and standardized 2) Scene: scene is also an important performance of Internet insurance, which is user-centered and accurately meets the needs of users. It is generated from the insurance needs of segmentation and specific scenes 3) Simplicity: Internet insurance procts are concise and easy to understand 4) Personalization: with the help of big data tools of the Internet, insurance companies can develop procts related to the large number of users at the end of the demand curve, and through the Internet or mobile Internet, insurance companies can easily concentrate and disperse a large number of such homogeneous risks 5) Customization: make full use of the big data of the Internet, capture customer demand and market demand, and develop customized procts for multi-level insurance demand of the market
2. The innovation ability of Internet non auto insurance procts has been continuously enhanced, and the procts have become increasingly rich, which has driven the rapid growth of business scale
(1) Huatai has developed online return freight insurance and mobile 3C business for the possible online return fee risk of Taobao. Freight insurance with low price, novel and people-friendly features, all the way popular, numerous awards. In March 2012, "return freight insurance" was listed as the first of "eight highlights of insurance market in 2011" by China news network, and was rated as "the hottest proct" by hexun.com in 2012, becoming the biggest innovation project of China's insurance instry in the year. More and more people know about Huatai because of Taobao freight insurance. In September 2013, "return freight insurance" was awarded the first prize of Hangzhou financial innovation award at the first Hangzhou financial innovation award press briefing and innovation project promotion conference
Taobao return insurance and travel insurance are the two lifelines of Huatai e-commerce. Taobao is the largest integrated e-commerce platform in China. Huatai, as one of the first merchants, settled in tmall to open its flagship store, and then developed online return freight insurance and mobile 3C business. In 2013, there were more than 120 million transactions of freight insurance in a single day ring the "double 11" period, creating a world record for the number of transactions of the same type of insurance in a single day. Travel insurance not only introces domestic and foreign travel insurance, outdoor sports, self driving and other traditional procts suitable for Internet sales, but also develops a series of innovative insurance types for the third-party platform, such as hotel cancellation insurance, air ticket cancellation insurance and ticket cancellation insurance, to fill the market gap
(2) sunshine company's "seeking care" series procts launched Internet fragmentation marketing, launched "women's serious illness insurance" for mother's day, "travel accident insurance" for summer travel, and "board rub insurance" for teacher's day. Sunshine insurance also uses a variety of Internet era marketing means, such as pre-sale, group buying, crowdfunding, to improve the marketing effect
(3) the accumulated premium of virtual property insurance cooperated with 5173 website by PICC has exceeded 10 million yuan in 2014, and the premium of hotel unsubscribe insurance cooperated with qunar.com and elong.com has exceeded 1.5 million yuan in December 2014
3. Internet non auto insurance business has a large number of signing documents and a small average premium
non auto insurance procts are relatively rich, with a large number of signing documents and a small average premium. In the non auto insurance business, Zhongan and Huatai are far ahead of other companies in the number of orders signed, with a total of 1.977 billion orders signed, and the average single premium is only 0.77 yuan, which is closely related to the return insurance business generated by the cooperation between Taobao and tmall
4. Based on the characteristics of large single volume and low average premium of Internet non auto insurance procts, the instry innovates and develops the automation practice process of e-commerce small and micro procts, realizes the paperless operation of the whole process from underwriting to claim settlement, and effectively reces the operation cost
property insurance companies actively build e-commerce websites on their official websites, and have achieved good results. The number of visits has exceeded 890 million, and the accumulated premium income of independent websites has reached 45.594 billion yuan. From the figure below, it can be seen that more than 90% of the Internet businesses of property insurance companies are realized through independent websites
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on September 6, the new regulation of life insurance, which has attracted much attention from the market, was officially promulgated. The official website of CIRC issued the notice of CIRC on strengthening the supervision of life insurance procts and the notice of CIRC on further improving the actuarial system of life insurance, which clearly stated that the protection function of insurance procts is the first to adhere to the principle of "insurance"; We will strengthen supervision over new insurance procts, including dividend insurance, universal insurance and investment linked insurance
how to strengthen supervision? Will it be across the board? As the previous rumor said, "600 billion yuan" universal insurance delisting The notice clearly states that the policy will be implemented smoothly, giving clear expectation to the market, guiding some insurance companies to graally adjust their business structure, avoiding "sudden brake" and forming cash flow risk. However, all insurance procts that do not meet the requirements should be stopped before April 1, 2017:
5. All companies should strictly implement the relevant provisions of the notice of China Insurance Regulatory Commission on regulating matters related to life insurance procts with medium and short ration (CIRC [2016] No. 22), and do a good job in evaluating the expected ration of procts according to the principle of substance over form and relevant recognition standards
(1) from January 1, 2017, investment linked insurance procts and variable annuity insurance procts shall be evaluated and reported in accordance with the definition requirements of short and medium term deposit renewal procts
(2) from January 1, 2017, insurance companies shall not design life insurance, annuity insurance and nursing insurance as short and medium term renewal procts
(3) as of January 1, 2017, for additional insurance procts such as additional universal insurance and additional investment linked insurance, the expected ration of the proct should be evaluated separately, and whether it belongs to medium and short term renewal procts should be judged< Sixth, the board chairman and chief actuary of an insurance company should strengthen the capital control and business planning of the medium and short term deposit renewal procts, and reasonably determine the premium scale of the medium and short term deposit renewal procts according to the company's capital strength and other factors. The annual premium income of short deposit renewal procts of an insurance company shall be controlled within the limit required by this article
(1) from January 1, 2016, the annual premium income of short and medium-term renewal procts of an insurance company should be controlled within 2 times of the company's invested capital and net assets at the end of the most recent quarter
(2) for the insurance companies whose premium income of medium and short-term renewal procts in 2015 is 2 times higher than that of the invested capital and net assets of the year, the company will be given a five-year transitional period from January 1, 2016. During the transitional period, the annual premium income of short and medium term deposit renewal procts of an insurance company shall be controlled within the benchmark amount
benchmark amount = the one with larger invested capital and net assets at the end of the latest quarter × 2+1-0.2t × Premium income of short and medium term deposit renewal procts in 2015 - the one with larger invested capital and net assets at the end of 2015 × 2) , t = year-2015, the annual range is from 2016 to 2020
(3) the annual premium income of the short and medium term renewal procts with the expected ration of more than 60% of the policies sold by the insurance company over one year (including one year) and less than three years (excluding three years) should be controlled within 90% of the overall limit in 2016, 70% of the overall limit in 2017, and 50% of the overall limit in 2018 and beyond
(4) from January 1, 2019, the proportion of annual scale premium income of short-term deposit renewal procts in the total scale premium income of the year shall not exceed 50%; From January 1, 2020, the proportion of annual scale premium income of short-term deposit renewal procts in the total scale premium income of the year shall not exceed 40%; From January 1, 2021, the proportion of annual scale premium income of short-term deposit renewal procts in the total scale premium income of the year shall not exceed 30%
(5) for the insurance companies whose short-term deposit renewal procts violate the limit requirements, the CIRC will take regulatory measures such as stopping some or all of the new businesses of the relevant companies according to the requirements< 8. This Circular shall come into effect as of the date of promulgation. All insurance procts that do not meet the requirements of this Circular shall be closed before April 1, 2017. If the relevant provisions previously issued by CIRC are inconsistent with this circular, this Circular shall prevail
the person in charge of the relevant department of CIRC also interpreted the main contents of the document: adhere to the principle of "insurance" and improve the risk protection function of life insurance procts to meet the growing demand of consumers; We should encourage life insurance companies to constantly adjust and optimize their business structure, intensify the supply side structural reform, further develop risk protection and long-term savings businesses, and keep the bottom line of no systemic risk:
1 Thirdly, we need to improve the risk protection level of life insurance procts
in the market-oriented reform of life insurance rate, we need to increase the minimum ratio of insurance amount to premium or account value from 105% to 120%, which is a higher level in the world. This time, we further increased the proportion of death insurance amount for the main age groups of life insurance procts from 120% to 160%, which exceeds the requirements of insurance regulatory authorities in the United States, Europe, Asia and other major countries and regions in the world< 2. Rece the assessment interest rate of universal insurance reserve
according to the downward situation of market interest rate, rece the upper limit of assessment interest rate of universal insurance reserve by 0.5% to 3%, and report the life insurance procts higher than the upper limit of assessment interest rate to CIRC for approval, so as to prevent the risk of interest spread and enhance the ability of insurance companies to fulfill their contractual obligations in the future. At the same time, in order to maintain the balance between procts and encourage the development of risk protection business, the assessment interest rate of ordinary life insurance procts remains unchanged at 3.5%
3. Put forward proportion requirements for the proportion of medium and short term deposit renewal business
continue to maintain the control of medium and short term deposit renewal business scale, and put forward clear proportion requirements for the proportion of medium and short term deposit renewal business scale in the company's business structure, requiring that the proportion of medium and short term deposit renewal business should not exceed 50% from 2019, and further rece to 40% and 30% in 2020 and 2021, We should give clear expectations to the market, guide some insurance companies to graally adjust their business structure, avoid "sudden brake" and form cash flow risk
4. Further improve the regulatory policy for medium and short term deposit renewal procts
include investment linked insurance procts into the regulatory scope of medium and short term deposit renewal procts, require that the proportion of policy loans should not be higher than 80% of the cash value or account value, and separately evaluate the additional universal insurance and additional investment linked insurance, so as to prevent insurance companies from passing through investment linked insurance, policy loans, and other insurance policies Additional insurance and other ways to avoid the regulatory policy of short and medium term deposit renewal procts
5. Improve the regulatory requirements related to proct design
require insurance companies not to design life insurance, annuity insurance and nursing insurance as medium and short term renewal procts, and adhere to the risk protection and long-term savings attributes of the above procts. The insurance company is required to reasonably determine the charge of various procts, and the procts whose profit test results show that the new business value is negative will not be approved and filed
6. Strengthen the responsibility of the chief actuary
clarify the performance requirements and reporting obligations of the chief actuary, further strengthen the responsibility of the chief actuary, and severely punish the chief actuary who fails to perform his ties, such as disqualification, so as to effectively play the key role of the chief actuary in the actuarial management of the company's procts
after the introction of the new regulations and a good start next year, the instry premium and investment scale may decline
the new regulations stipulate that all insurance procts that do not meet the requirements will be closed before April 1, 2017. Affected by the scale restriction and the decline of settlement interest rate, the scale of short and medium term deposit renewal procts will decline significantly next year
the regulatory expectation is that the pricing interest rate and debt cost of life insurance procts such as universal insurance will graally fall, the aggressive pricing and high settlement interest rate will be significantly curbed, the business structure will be graally optimized, and the profitability, risk prevention ability and sustainable development ability of insurance companies will be further enhanced
in the next step, the CIRC will also use a variety of means to strengthen the supervision of life insurance procts such as universal insurance, and strictly abide by the risk bottom line“ To speed up the development of risk protection and long-term savings businesses, insurance companies should be called "insurance" to prevent major shareholders from turning insurance companies into financing platforms. "
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recently, the Internet property insurance alliance of China Insurance Instry Association and iResearch released the "2017 internet property insurance user survey report" (hereinafter referred to as the "report") which pointed out that the high-income and highly ecated people have stronger insurance awareness