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国内首份网络互助白皮书发布:八成参与者年收入低于10万 - 站长搜索
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国内首份网络互助白皮书发布:八成参与者年收入低于10万

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2020-05-08 05:10:05 转载来源: IThome

站搜网5月7日消息 5月7日,蚂蚁金服研究院发布全国首份《网络互助行业白皮书》。白皮书显示,2019年我国网络互助平台的实际参与人数为1.5亿,预计2025年将达到4.5亿人,覆盖中国14亿人口的32%左右

站搜网5月7日消息 5月7日,蚂蚁金服研究院发布全国首份网络互助行业白皮书》。白皮书显示,2019年我国网络互助平台的实际参与人数为1.5亿,预计2025年将达到4.5亿人,覆盖中国14亿人口的32%左右。按照大病网络互助金总额在全社会大病医疗费用的占比统计,2019年网络互助将全国大病医疗费用平均保障水平从60%到提升到60.73%,贡献度为0.73%,预计2025年贡献度将上升到3%。

白皮书显示,79.46%成员年收入在10万元以下,72.1%来自三线及以下城市、农村;12.93%成员自述没有社保,68.40%成员自述没有商业保险。

白皮书显示,根据模型推算,2019年,我国社会大病医疗费用(不含商业健康保险)约为7300亿元,而大病网络互助金总额约为54亿元,网络互助金占比0.73%。也就是说,在我国居民大病医保基础上,2019年网络互助将全国大病医疗费用平均保障水平从60%提升到了60.73%,贡献度为0.73%。预计到2025年,网络互助的贡献度将增加至3%,即从60%提升至63%。

站搜网了解到,目前,我国医保制度中的基础大病保障能够解决投保人群60%左右的疾病负担费用,个人仍需支付40%甚至更多费用。根据白皮书,对于仅有基础医疗保险的大病救助对象,网络互助可使其个人支出负担从平均40%下降至20%以下

标签: 国内 首份 网络 互助 白皮书 发布 八成 参与者 年收入


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