This week, we compiled a report by Communispace about how Millennials can reshape health care . The report describes new medical values ​​held by young people aged 18-32 in the United States. Although this generation of people is not the main consumer of current medical expenses, it represents the evolution of future demand. What about young people in China? We don't have a China survey report to share, but let's take a look at the following case.
Small young medical health status
XPP is now in the age of 30, with old and small. As a typical Shanghai Zhang Jiang IT male, the biggest sport is usually playing games, swimming and walking. But XPP doesn't smoke or drink too much, staying up late, and living habits are too good for young people. Usually there is no big problem, you have a flu, usually only one treatment, that is to sleep.
However, XPP got a bad cold some time, and for two days, he couldn't help himself. He went to a top three hospital to see the clinic. The company where XPP is located is a well-known foreign company. The employee benefits include the purchase of commercial medical insurance, but it can only be reimbursed in the top three hospitals. As a result, I don’t know if I don’t see a doctor. When I look at it, I’ll see that a cold has cost nearly 500 yuan. Of course, XPP can reimburse most of the expenses. However, this is the case in two or three years. It is not a problem to pay for the bill. However, the insurance premium paid by the company for XPP in the past two or three years may not be more than 500 yuan.
Who is the future health?
But everyone knows that with the increase of age, XPP's future medical expenses will become more and more impressive. After 20 years, what kind of health situation will happen to those of us who are taking drugs and taking drugs, which is really worrying. XPP is also worried, so what should I do? Who is the future? This is indeed a big problem, the government? Insurance company? employer? Still rely on the next generation? I want to go to XPP and always feel that I can only rely on myself.
Although the problem of aging in Europe and Japan has erupted earlier, China is about to face the situation of being old and poor, and the situation is even worse. When the millennial generation begins to enter the old age, the solution to the pressure on medical expenses in social security is likely to be to further dilute the average budget. XPP and many young people know that the final result of government social security can only be "winner than nothing." Doctors will be short of resources for a long time to see in the future. The problem of difficult medical treatment cannot be solved universally under this premise.
So when you are young, buy commercial health insurance? Maybe many young people will do this. But unfortunately XPP has developed IT systems for insurance companies and has since lost interest in purchasing health insurance. The basic logic of insurance is based on probability. The incidence of diabetes, high blood pressure and even cancer in China is increasing year by year, which means that everyone has a greater probability of suffering from such a disease. Insurance companies are much more careful than the general public. If you want to insure those diseases that are more likely to have a disease, it means that you must continue to pay high premiums for many years. And those packages that seem to have lower cost-effective premiums can only save a small probability of disease, which is a rare disease that you will not get. XPP believes that it is better to have a wealthy money to buy health insurance.
Not to mention the employer, you can enjoy the health insurance that the employer bought for you when you are in office, but it is okay to deal with minor illnesses – in fact, the cost of these minor illnesses is not enough. And when you are sick, you can't work, and you lose your job and lose your health insurance. As for the next generation, it is true that nowadays, the new generation of parents will no longer have such a concept of parenting.
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