w88 casino News Network (provided by the w88 casino of Insurance)On May 20, 2025, the launch ceremony of the "Disease Prevention + Insurance Protection" public welfare science popularization program "Love 365" was held in Beijing. This is the first disease prevention + insurance knowledge popularization science program since the launch of Xinhuanet's "Xinhua Health" in 2018. Professor Yu Baorong from the w88 casino of Insurance of w88 casino was invited to participate in the event's "Insurance Experts Talk - Integration of Insurance Protection and Health Management" session. The expert roundtable forum on "What is the difference between commercial insurance and commercial health insurance? Do I still need health insurance when I have medical insurance?" Considering the time of the day of the event, this session was advanced to the 18th to be broadcast online.
As the first new popular content in mainstream media to popularize disease prevention and insurance knowledge, this program will deepen the public understanding that "preventing disease is at the forefront of getting sick, and insurance is at the forefront of resolving risks." It will provide authoritative expert guidance to enhance national health awareness, spread new insurance knowledge, resolve accidental risks, and protect the family economy.
At the beginning of the program, Professor Yu Baorong introduced the basic knowledge of social medical insurance and commercial health insurance to the national audience, including the commonalities between the two, as well as the differences in terms of compulsory or voluntary choice of insurance, premium and benefit setting principles, handling entities, business purposes, social role positioning, etc., and how to understand the role of commercial health insurance under the social medical insurance system.
In the following exchange, Professor Yu, who has a medical education background, introduced the concepts and concepts of primary prevention, secondary prevention and tertiary prevention under the holistic medical system. The primary, secondary and tertiary prevention is carried out according to the three stages before the disease, during the disease and after the disease: control health risk factors before the disease, such as weight control, lifestyle control, diet control, etc., to minimize the occurrence of health risk factors; early diagnosis and early treatment during the disease, such as high blood pressure, diabetes, hyperlipidemia and other problems, Early treatment is necessary to control the damage to health caused by the development of the disease; after illness, such as cerebral hemorrhage, after the acute phase clinical treatment of the secondary prevention stage, when the vital signs are stable but there are still limitations in body movement or function, rehabilitation treatment must be actively carried out to minimize the risk of the disease and improve and maintain the health of the body's functions. Over the past many years, some insurance companies have been trying to follow the three-level prevention concept of disease prevention, treatment and recovery, and develop health management services accompanying health insurance products, hoping to play the role of health management assistants for insured persons.
In response to the question raised by the host, "Since I have social medical insurance or commercial health insurance, most of the medical expenses incurred when I get sick are paid by the insurance, then I don't need to do disease prevention. Is this right?" Professor Yu Baorong analyzed that from a medical point of view, we can make an analogy. A healthy human body is like a fresh fruit, except for the infection. Except for such self-healing diseases, most diseases cause irreversible damage to health, such as cerebrovascular disease, heart disease, diabetes, nephritis, joint disease and other chronic diseases. Once you get sick, it is like a part of an apple rotting. What modern medicine can do is cut off the bad part and try to prevent the rotten part from expanding, but it cannot turn the rotten part into fresh fruit again. So the whole level of health is compromised; if different diseases keep happening at different stages or at the same stage, the healthy part becomes less and less. Therefore, the most basic concept is that the first person responsible for health is always and only oneself. Disease prevention is very important. It is to keep all parts of the apple fresh for as long as possible. Therefore, the role of disease prevention is fundamental, as basic and important as the foundation of a house. With the development of human society, excluding genetic diseases, genetic defect diseases, trauma and poisoning, the vast majority of diseases (including tumors, cardiovascular and cerebrovascular diseases, etc.) are chronic diseases. Chronic diseases are also called lifestyle-related diseases and are preventable and controllable to a large extent.
Experts participating in the live broadcast include Mr. Ding Yunsheng, a member of the Health Management and Health Insurance Professional Committee of the Chinese Medical Doctor Association, and Mr. Pan Huagang, a member of the 4th Health Insurance Professional Committee of the China Insurance Industry Association and general manager of Ai Ai Life. Both experts also introduced the relevant concepts and practices of health insurance and the concept of integrating health insurance and health management from their own perspectives.
Insurance has a short history of development in mainland China, and the public’s understanding of it has limitations. In the past decade or so, commercial health insurance has received increasing attention and research from all aspects. However, due to the limited public understanding of the laws and functions of disease and medicine, and the establishment and development of China's social medical insurance system in the past two decades, a correct understanding of the relationship between social insurance, commercial insurance, disease prevention and treatment, health management, etc. is of great significance to the future development path of China's commercial health insurance. This is also the significance of this live broadcast on Xinhuanet.
