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目前影响团体保险业务发展的外部政策环境有:国家政策鼓励发展商业保险;团体养老保险税收政策不到位;团体医疗健康类产品未全部享受税收优惠政策;管理式医疗保险不计保费收入。从农村团体保险市场来分析,在险种方面,寿险公司未尝试农村养老保险,农村医疗保险推动成本高;在群体方面,失地农民保险依赖政府推动,寿险公司参与农民工保险处于探索中。当前,良好的经济环境促进了企业健康快速发展,也因此扩大了市场对团体保险业务的需求,为团体保险的加快发展奠定了基础。基于团体保险的优势积累,寿险公司应该从战略高度拓展加快团体保险业务发展的新路径。
Currently, the external policy environment that affects the development of group insurance business is as follows: State policy encourages the development of commercial insurance; group pension insurance policies are not in place; group medical and health products do not all enjoy preferential tax policies; and managed medical insurance excludes premium income. From the rural group insurance market to analyze, in terms of insurance, life insurance companies did not try to rural endowment insurance, rural medical insurance to promote high costs; in groups, the landless peasant insurance relies on the government to promote life insurance companies to participate in the exploration of migrant workers insurance. At present, a sound economic environment has promoted the healthy and rapid development of enterprises, thus expanding the market demand for group insurance business and laying the foundation for the accelerated development of group insurance. Based on the advantages accumulated by group insurance, life insurance companies should develop a new path to speed up the development of group insurance business from a strategic perspective.