The "Draft Decision" drafted by the Ministry of Human Resources and Social Security, the Ministry of Finance and the Health Planning Commission plans to take 12 places such as Handan and Zhengzhou as pilots to implement the collection and management of maternity insurance funds into the basic medical insurance funds for employees. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy the treatment of maternity insurance.

　　According to the Legal Evening News, this morning, entrusted by the State Council, Minister Yin Weimin of Ministry of Human Resources and Social Security explained the "Decision (Draft) on authorizing the State Council to temporarily adjust and implement the relevant provisions of the Social Insurance Law of People’s Republic of China (PRC) in the administrative areas of 12 pilot cities such as Handan City, Hebei Province. The draft stipulates that 12 places, including Handan and Zhengzhou, will be used as pilots to temporarily incorporate maternity insurance funds into the collection and management of employees’ basic medical insurance funds.

　　Yin Weimin said that maternity insurance and basic medical insurance have something in common in medical services, especially in the payment of medical benefits, and the management services are basically the same. They implement a unified management system for designated medical institutions, unified medicines, diagnosis and treatment projects and service facilities, and use the same information system platform. Combining the two insurances meets the requirements of integrated operation of social insurance, which is conducive to improving the mutual assistance ability of social insurance funds, better enhancing the guarantee function of maternity insurance, improving the management efficiency of administrative and handling services, and reducing operating costs. It is a reform attempt to promote the establishment of a fairer and more sustainable social security system.

　　The draft stipulates that in order to further enhance the function of maternity insurance, improve the mutual aid ability of social insurance funds, and promote the merger of maternity insurance and basic medical insurance, The 25th meeting of the 12th the NPC Standing Committee decided to authorize the State Council to temporarily adjust and implement Article 64 of the Social Insurance Law of People’s Republic of China (PRC) in the administrative regions of Handan City, Hebei Province, Jinzhong City, Shanxi Province, Shenyang City, Liaoning Province, Taizhou City, Jiangsu Province, Hefei City, Weihai City, Shandong Province, Zhengzhou City, Henan Province, Yueyang City, Hunan Province, Zhuhai City, Chongqing City, Neijiang City, Sichuan Province and Kunming City, Yunnan Province. Article 66 The maternity insurance fund shall be incorporated into the collection and management of the employee basic medical insurance fund in accordance with the provisions on separate account establishment, accounting, preparation and budgeting.

　　In addition, the draft also mentions that the pilot program will be arranged by the State Council and implemented for two years. Revise and improve the relevant laws and regulations that have been proved feasible in practice; If the practice proves that it is not suitable for adjustment, the relevant laws and regulations shall be resumed. The State Council and its human resources, social security, finance, health and family planning departments should follow the general idea of retaining insurance, guaranteeing treatment, unified management and reducing costs, and strengthen the guidance, supervision and inspection of pilot workers.

　　Planner’s language:Between consumers and market players, insurance supervision firmly stands on the side of consumers and adheres to the correct direction of "supervision for the people". This year, the regulatory authorities made great efforts to rectify the chaos in the industry, and made continuous heavy attacks on insurance company governance, life insurance product design and power grid sales channels, setting a "maximum" for the issuance of regulatory letters, and committed to creating a fair, legal, smooth and efficient consumption environment for insurance consumers. This issue of Insurance Weekly has specially planned a group of reports to discuss the damage to consumers’ rights and interests in the insurance industry.

　　I believe that many people have received sales calls such as bank wealth management products or insurance products in their lives, and they have also learned the skill of the salesperson at the other end of the phone. For the regulatory punishment of telemarketing fraud, most of the objections given by insurance companies focus on "the situation that telemarketing terms are not completely consistent with the actual situation is the behavior of individual sales personnel of the company, and there is no intention to deceive the insured and no additional improper benefits." However, this is not the case.

　　At the beginning of December, the China Insurance Regulatory Commission issued five administrative penalties, four of which were imposed on China Merchants Cigna Life Insurance Co., Ltd. (hereinafter referred to as "China Merchants Cigna"). The reasons for punishment are "illegal acts of deceiving the insured by telephone sales", which are mainly manifested in providing false market information to customers, exaggerating or misrepresenting the products of our company, etc. China Merchants Cigna and the relevant responsible persons of its three home appliance sales centers were fined 1.07 million yuan.

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　　Telemarketing misleading once again sounded the alarm.

　　Among all the sales channels, the telephone sales channel belongs to the hardest hit area where insurance consumers cheat. Telephone sales channels are the key regulatory areas of the CIRC. The Interim Measures for the Retrospective Management of Insurance Sales Behavior, which was formally implemented on November 1, stipulates that when insurance companies and insurance intermediaries conduct telephone sales business, they should record and back up the whole process of telephone calls, and must not evade the telephone sales system to sell insurance products to policyholders. However, under the new regulations, it is not uncommon for enterprises to take risks. According to statistics, as of November 30th, among the 36 supervision letters issued by official website of the China Insurance Regulatory Commission, 6 were aimed at punishing the illegal acts of insurance companies in the process of power grid sales.

　　When checking the telemarketing policy business signed by China Merchants Cigna in 2015, the CIRC randomly selected three telemarketing centers built by itself, and all of them found that there were illegal acts of telemarketing to deceive policyholders, and the proportion of illegal policies was relatively high. Specifically, these three telemarketing centers located in Wuhan, Shenzhen and Beijing all provide false market information to customers, exaggerate or falsely state our products, make false propaganda on laws, regulations and policies related to insurance business, make false propaganda on product sales threshold conditions and price changes, avoid customers’ problems or incorrectly explain the attributes of insurance products.

　　In fact, before that, the China Insurance Regulatory Commission issued seven administrative penalty decisions to Luen Thai Metropolitan Life Insurance Co., Ltd. (hereinafter referred to as "Luen Thai"), claiming that it failed to effectively fulfill its responsibility of quality management of sales business and cheated the insured by telephone sales. As the Sino-American Luen Thai Corporation is responsible for the operation and development of telemarketing business, as well as the unified formulation of all kinds of product "words" and the establishment of a telemarketing quality inspection system, the CIRC has determined that the Sino-American Luen Thai Corporation is directly responsible for the widespread problem of deceiving policyholders in several telemarketing centers.

　　It is noteworthy that telemarketing fraud is not exclusive to small and medium-sized insurance companies, and large companies are not spared. Many large insurance companies such as PICC P&C Insurance, Ping An Life Insurance Company of China and China Life Insurance have also been held accountable for this.

　　Consumers need more protection under the innovative insurance format.

　　In addition to telemarketing, the traditional channel for consumers to cheat, the emerging Internet sales environment is also constantly breeding events that mislead consumers, which also makes online insurance purchase hidden risks.

　　Some products exaggerate the insurance liability and unilaterally pursue the explosion effect in publicity, which has caused consumers to misunderstand the insurance function and seriously damaged the vital interests of consumers. The reporter noticed that there was a "high temperature insurance" product sold online before, which really meant gambling with consumers. The premium standard of "high temperature insurance" is divided into 10 yuan, 50 yuan and 100 yuan. As long as the temperature exceeds the standard agreed between the insurance company and the customer, the customer can get the high temperature allowance. The insurance company will provide the high temperature allowance from 3 yuan to 5 yuan every day, and the guarantee period is generally from July 1 to August 31. Similar "Shantou" insurance seems to exist only for bloggers’ eyes, with little protection function.

　　At the same time, it also reveals the mixed quality of some third-party Internet platforms. The real third-party internet insurance platform will consider the actual situation of consumers, their family income and risks, and choose the most suitable and cost-effective insurance products for consumers. However, some existing platforms use internet technology to optimize the insurance process, and the packaging and marketing are still products with extremely low risk protection ability for consumers, and the real protection demands of consumers cannot be met.

　　In addition, some insurances sold on the Internet only provide links to exemption clauses and exclusions, and consumers only need to tick, and they are not required to click on the links to read. Some insurance companies even weaken the word "insurance product", emphasize the high expected rate of return and the characteristics of "guaranteed capital", and take vague treatment on the uncertainty of income, expense deduction and surrender loss, which greatly increases the possibility of misleading sales.

　　According to the information disclosed by the CIRC, Internet insurance complaints mainly focus on sales and claims. The former has the problems of insurance companies exaggerating insurance liability or income, concealing payment period and false propaganda; The latter has disputes over the amount of claims, too long time for claims, and unclear responsibility. While the growth rate of Internet insurance is considerable, the "disharmony" factor should be targeted by the regulatory authorities, and online insurance institutions should also pay attention to product innovation under the premise of compliance.

　　Strengthen the supervision of credit system construction and prevent the left and right from opening the bow

　　To put an end to consumer deception, we should start with the establishment of the integrity of enterprises and sales personnel, and the construction of a country’s credit system is very important for honest management and the creation of a good consumption environment. At the beginning of this year, Lu Zhou, director of the Consumer Protection Bureau of the China Insurance Regulatory Commission, suggested that it is an urgent need to accelerate the construction of the insurance credit system to protect the legitimate rights and interests of insurance consumers. Strengthening the construction of insurance credit system will help to run honesty through the whole process of insurance management and provide all-round and high-quality insurance services for consumers.

　　According to the requirements of China Insurance Credit System Construction Plan (2015-2020) promulgated in 2015, the construction of insurance credit system and standard system is being comprehensively promoted. The expected goal is to standardize the recording, storage, processing, management and use of credit information in 2018, and the coverage rate of credit records will reach 80%. The construction of various credit information databases and sharing platforms in the insurance industry has basically been completed, and the interconnection, exchange and sharing of credit information in the industry have basically been realized.

　　Since the China Insurance Regulatory Commission launched the "Bright Sword Action" in 2015, it has achieved numerous results. "A total of 925 inspection teams were sent across the country, and 2,871 people inspected 923 branches of insurance companies and banking institutions, involving 42 legal entities. A total of 157 insurance institutions and 254 individuals were punished." This is a set of data recently given by Luo Qing, deputy director of the Consumer Protection Bureau of the China Insurance Regulatory Commission.

　　In fact, when studying the construction of insurance credit system in foreign developed countries, the reporter also found a lot to learn from. For example, the National Association of Insurance Supervisors (NAIC) has established the world’s largest insurance database to support the centralized information disclosure system. This database collects the financial information of all insurance companies in the country and is connected with the network system of insurance regulators in various States. When consumers’ rights and interests are infringed, they can choose negotiation, mediation, arbitration or litigation to solve disputes. These litigation and non-litigation have their own defects, which ultimately leads to the unequal state of rights protection between consumers and enterprises. The financial complaint examiner system in Britain is a model to solve this problem, and it also plays an important role in the settlement of insurance consumption disputes.

　　On the one hand, the protection of consumers’ rights and interests requires regulators to perform their supervisory duties on financial institutions, and on the other hand, consumers’ awareness of prevention can also minimize the damage to their rights and interests. Among financial consumers, the education of insurance consumers is more urgent. Because the protection of insurance consumers’ rights and interests is a fundamental guarantee for personal life and property safety. Rational insurance consumers should establish their own judgment when evaluating the advantages and disadvantages of insurance products, and should not aim at pure investment income, but should focus on whether the protection function provided by them is suitable.

　　Among financial consumers, the education of insurance consumers is more urgent. Because the protection of insurance consumers’ rights and interests is a fundamental guarantee for personal life and property safety. Rational insurance consumers should establish their own judgment when evaluating the advantages and disadvantages of insurance products, and should not aim at pure investment income, but should focus on whether the protection function provided by them is suitable.

The dictionaries and dictionaries in ancient China, such as Shuo Wen Jie Zi and Er Ya, have some Chinese medicine terms, but they are not professional Chinese medicine dictionaries after all. Although some Chinese medicine books, such as Complete Records of Ancient and Modern Books Integrated with Medical Department, are arranged together according to the times, the style and norms do not meet the basic characteristics and requirements of dictionaries. The laurel of the first comprehensive dictionary of traditional Chinese medicine in China belongs to China Medical Dictionary compiled by Xie Guan.

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Xie Guan, whose name is Liheng, is a man of the hour in the field of modern Chinese medicine. At that time, Chinese medicine schools, societies, magazines and other institutions all scrambled to hire him, and his "bearded man" photos were frequently published in various newspapers and magazines, but there was no introduction about his early study and work experience. Looking at the Biography of Mr. Xie Liheng written by his fellow countryman Lv Simian on April 1, 1935 and the Biography of Mr. Xie Liheng written by his disciple Chen Cunren in March 1951, Xie Guan’s general resume before he became the principal of Shanghai Special School of Traditional Chinese Medicine in 1917 is:

Xie Guan’s father, Xie Zhongying, was a master of geography. When he was a teenager, Xie Guan was intelligent and studious, and inherited his family studies. At the age of 12, he finished reading the Four Books and the Five Classics, and he knew all about China’s ancient and modern mountains and rivers like the back of his hand. At the age of 15, he entered Changzhou to use Jingshe and devoted himself to the study of classics, history and geography. 21-year-old graduated from Soochow University in Suzhou. In 1905, he was invited to teach in guangzhou fu Middle School as a geography teacher. In 1908, due to her mother’s dissatisfaction with Lingnan soil and water, she resigned to Shanghai and took a job in the Commercial Press to compile geography books. Soon he was hired as the principal of Shanghai Chengzhong School. After 1911, he returned to his hometown of Wujin to take charge of education, and within two years, the county’s educational achievements ranked second in the country. In 1914, he still entered the Commercial Press, mainly compiling geography books.

Obviously, before the age of 35, Xie Guan had no experience in studying medicine, let alone taking medicine as his profession. How could he compile a dictionary of traditional Chinese medicine with a detailed analysis and novel style in a short time?

The article "Xie Run" in China Medical Dictionary says: "The word" Bao Chu "was attached to Wujin County in Qing Dynasty … and he wrote fifty volumes of" Medical Jingwei ",which was not published yet. His grandson’s view was analyzed and expanded because of his manuscript, and became the China Medical Dictionary. " From now on, we can easily know that Xie Guan is based on the original manuscript of Medical Jingwei that his grandfather didn’t publish, "taking the theory system of past dynasties as the explanation", and "judging the trade-off by the new theory of evidence", and expanding it into China Medical Dictionary.

Compilation process

Regarding the origin of compilation, Lv Simian said in the Biography of Mr. Xie Liheng: "Those who treat China medicine should compile dictionaries, so that the Commercial Press can be the king." However, Xie Juzeng’s "The Past of Hanfen Building" said: "Xie Guan … first edited geography textbooks for primary and secondary schools in the Chinese Language Department, and later transferred to the Dictionary Department to participate in the compilation of China Medical Dictionary and China Celebrity Dictionary." It is difficult to know whether the Chinese medicine academic circles require the Commercial Press to organize the compilation or whether the Commercial Press initiates the compilation itself.

As for the beginning and ending time of compilation, Xie Guan said in the preface of China Medical Dictionary (1921 edition): "In the early Republic of China, it was not as long as the Shanghai College of Traditional Chinese Medicine, that is, it was interested in remedying this disadvantage, but the matter was big and it was difficult to take care of it." After reading, it is necessary to delete complexity, which is nothing more than a dictionary. It is in line with the students of the whole school, and they test each other. Everything contained in the classics is analyzed in detail, and it is learned and searched, and its repetition is deleted, and its empty theory is cut, so that it is difficult to distinguish the purpose of criticism, and the words of floating algae decoration are saved. Cheng Gong went to 67 … The first edition was completed. " From this point of view, the compilation began in the spring of 1921 after the establishment of Shanghai College of Traditional Chinese Medicine in 1917, which lasted for four years. But he also said "Cheng Gong to 67", so the time can’t coincide. However, from 1914, when Xie Guan joined the Commercial Press for the second time, to 1921, it happened to be "67".

As for the people who participated in the compilation, Chen Cunren said in the article Biography of Mr. Xie Liheng: "There were 12 people who assisted the Dictionary, and they worked hard day and night, repeatedly deleting and adding, and repeated several drafts. It took eight years to complete the book. I will pay for it. Unexpectedly, of these twelve people, two are sick from overwork and four are cured. " This should be said to be the situation in the "first edition" in 1921. By the time of the second edition in 1926, there were as many as 66 people who participated in the revision. The list of "people subscribed" was found in the "reprint" of the Commercial Press in 1954, and it was the only one who kept the list of editors in all the editions of China Medical Dictionary so far.

此外，1952年吕思勉在《自述——三反及思想改造学习总结》一文中说：“一九一九年，入商务印书馆，助谢利恒君编辑《中国医学词典》。予于医学，本无所知，而先外王父程柚谷先生、先舅氏均甫先生、先从舅少农先生，皆治汉学而兼知医，故予于中国医书之源流派别，略有所知。谢君本旧友，此时此书亟欲观成，乃将此一部分属予襄理。至暑假中事讫。”由此可知，吕思勉也曾经参加过《中国医学大辞典》的编撰工作。“至暑假中事讫”，是说吕思勉负责的部分于1919年暑假完成，还是整部《辞典》编撰告竣，我们已很难考证清楚了。

体例内容

全书“搜集之名词，以中国原有医书所载者为限，故定名为《中国医学大辞典》”。所辑词目，包括病名、药名、方名、身体、医家、医书、医学七大类，共三万七千余条目，约计三百五十余万字。排列方法以首字笔画为序，首字相同者则以次字笔画为序。为方便检索，还编有《辞头索引》《辞条索引》。

China Medical Dictionary was first published by the Commercial Press in July 1921, revised and reprinted in July 1926, and published again in August 1933, and marked as "the first edition after the national disaster". In 1951, Chen Cunren said: "Up to now, there have been more than one million copies published in 32 editions, which are sold in various countries." After the founding of New China, the Commercial Press reprinted it three times in December 1954, April 1955 and August 1955 in order to cooperate with the central government in implementing the Party’s policy on traditional Chinese medicine.

Needless to say, there are some mistakes in the annotations of some entries in the China Medical Dictionary. As early as 1928, Yu Zeming wrote in the Health News that the transliteration of resin "Balsamo" was mistaken for the real name of the drug (a mistake in the China Medical Dictionary). In 1933, Yang Yan and the Medical Chunqiu clearly proposed that it should be supplemented and revised comprehensively (the China Medical Dictionary has If measured by the current dictionary style, there are still some shortcomings, but the defects do not cover up Yu, and it is still an important reference book to benefit the medical forest and enlighten the later study. (Zhang Xiaoxia)