标签： 西安夜生活

　　Li Xincao’s death from falling into the river, which has attracted much attention, was publicly pronounced in Kunming, Yunnan this morning. The Panlong District People’s Court of Kunming sentenced the defendant Luo Binggan to one year and six months’ imprisonment for the crime of negligent death, and ordered Luo Binggan to compensate Chen Meilian, the plaintiff in the incidental civil action, for economic losses of RMB 63,257.

　　It is deplorable that a female college student who was in her prime fell into the river and died. The video of Li Xincao being slapped and cuddled before her death circulated on the Internet once made the case city by the sea. How did a drinking party of four young people turn into a tragedy of drowning? A large amount of evidence presented during the trial completely restored the truth of the incident, and the reporter from the General Desk also conducted an exclusive interview with the relevant witnesses.

　　What happened from drunkenness to falling into the river?

　　At 2: 02 a.m. on September 9, 2019, the public security surveillance video of the Panlong River in Kunming city vaguely recorded a splash on the river, which was the last imprint left by 18-year-old Li Xincao before his death.

　　Li Xincao, female, a sophomore in a university in Kunming, was born in November 2000 in shizong county, Qujing City, Yunnan Province. At noon on September 8, 2019, Li Xincao’s roommate Ren Mou invited her and two other roommates to have dinner with friends in downtown Kunming, and the other two roommates were unable to go because of something.

　　At 15: 42, they met with Ren’s junior high school alumni Luo Binggan and Li Mouhao in hang lung plaza. Luo Binggan, born in 1997, is the initiator of this gathering and the defendant in this negligent death case.

　　At 17: 40 on the same day, Li Xincao and other four people first came to a hot pot restaurant for dinner, during which they did not drink. After dinner, at Luo Binggan’s suggestion, the four men went to two bars at 19: 41 and 21: 35 respectively, and drank 24 bottles of beer successively.

　　At 22: 38, the four of them left the bar. Li Xincao and Ren Moushen offered to rush back to school. They walked to the nearby subway station to buy tickets. Unexpectedly, the last subway left before their eyes, with a time difference of 13 seconds. What they didn’t expect was that the 13 seconds would be a fatal miss.

　　After missing the last subway, Li Xincao and others decided to find a bar to continue drinking. At 23: 03 that night, they walked into the hot bar near Panlong River and sat in the seat next to the door, which is only a dozen meters away from Panlong River.

　　Four people ordered a case of beer, and Luo Binggan ordered four strong cocktails. First, each of the four people finished a glass of mixed wine, and then began to continue drinking beer.

　　Reporter:What are these four cocktails made of?

　　Bartender:Vodka, bailey and coffee liqueur.

　　Reporter:How many degrees are these three wines?

　　Bartender:The degree is not clear, but vodka has the highest degree.

　　The video shows that Li Xincao drank five glasses of beer in a row. At 23: 59: 34, she began to show obvious signs of drunkenness and suddenly fell on Luo Binggan’s leg sitting next to her.

　　Defendant Luo Binggan:I was very surprised that she fell on my leg. I don’t know what happened. I let her lean for a while and she sat up by herself. Then I went to see her. At that time, I felt that she might be really drunk and a little restless.

　　Three people will Li Xincao up, at this time of Li Xincao already sit instability, prone on the table. Three minutes later, Li Xincao got up and went to the bathroom, and returned five minutes later. At this time, it was 00: 11 on September 9, and Li Xincao fell on Luo Binggan’s leg for the second time.

　　Defendant Luo Binggan:Then she sat up by herself, still in a very agitated state, and felt that she was getting more and more agitated.

　　00: 14, Luo Binggan walked out of the bar, and then Li Xincao got up and stumbled out of the bar, followed by Ren Mou Shen and Li Moumou Hao.

　　Li moumou:As soon as I saw it, I said I’d go out with her to see the situation, and then I followed her out. Then we were at the door of the bar, where a tree was crouching. At that time, Li Xincao probably wanted to vomit, but he didn’t vomit after retching a few times.

　　A minute later, Ren Moushen and Luo Binggan helped Li Xincao back to the bar and let her lie on the chair.

　　After that, Li Xincao walked out of the bar twice. After Li Xincao’s mood calmed down a little, the four of them continued to drink. 00: 44: 40, Li Xincao took the beer opposite Luo Binggan and drank it directly at the bottle mouth. At 00: 58, Li Xincao got up and walked out of the bar for the fourth time, and Ren Moushen and Li Mouhao followed him out.

　　Ren Moushen:Li Xincao began to sit on the ground and cry, so I squatted down to hug her. Luo Binggan and I helped her to the railing. She was quiet for a while, then picked her up from the ground and pulled her up. She began to put her feet on the railing, as if her legs were up, reaching her knees. Then Luo Binggan and I pulled her down from the railing.

　　Defendant Luo Binggan:At that time, I was very scared. At that time, I told Ren that she seemed to want to jump into the river. At that time, the two of us were particularly nervous, so we took Li Xincao back to the bar.

　　According to the memories of Luo Binggan and others, this was the first time that Li Xincao showed signs of jumping into the river that night.

　　Twenty-three minutes later, the four returned to the bar from the river. At 01: 37: 11, Li Xincao suddenly took the opposite bottle and smashed it on the table, then threw the items on the table to the ground.

　　At 01: 37: 44, Li Xincao walked out of the bar for the fifth time, followed by three people. Six minutes later, three people helped Li Xincao back to the bar and let her lie on the chair. The video shows that Luo Binggan leans close to Li Xincao’s body.

　　Defendant Luo Binggan:I took her bag, put it under her head to cushion her, and immediately bent down. At that time, I had only one idea, just trying to calm her down. We really wanted to calm her down, so I bent down and said something to comfort her in her ear.

　　01: 45: 15, Luo Binggan got up, Li Xincao sat up at the same time, then grabbed the black items on the table and threw them on the ground. Luo Binggan picked up the items and grabbed Li Xincao’s hand.

　　Defendant Luo Binggan:Just like a child, if she can’t stop crying, it will make people very upset. At that time, I was annoyed. At that time, this was my mentality.

　　Li moumou:Luo Binggan said, it’s really no good for her to go on like this. Just say, if it’s really no good, slap her in the face and see.

　　Ren Moushen:Luo Binggan said for the second time that he had met many people who were so drunk before, and they all woke up after slapping them twice.

　　01: 47: 54, Luo Binggan slapped Li Xincao’s left face twice in a row, and Li Xincao was stunned after getting these two slaps. At 01: 57: 37, Li Xincao took a sip of water and poured it on his head. About three minutes later, Li Xincao walked out of the bar for the sixth time. Among the other three people, only Li Moumou chased him out for the first time, which was the last time that Li Xincao left the bar.

　　She stopped a taxi in front of the bar.

　　Taxi driver:That night, I drove from here, and this woman took a taxi here. I stopped the car and stopped. She got on the bus from here on the left. At that time, she was sitting in the back row when she got on the bus. Another man told me not to drag her away because she was drunk, and that man got off right in front. At that time, there were many cars stuck behind me.

　　Li moumou:I’ll catch up with the master first. Master, wait a minute. Don’t be busy driving.

　　Video shows that Luo Binggan and Ren Moushen, who are still drinking and chatting in the bar, have also walked out of the bar one after another. Luo Binggan went to explain to the vehicles stuck in the back. At this time, Li Xincao suddenly opened the car door and ran to the river.

　　Li moumou:I heard her open the door. I looked up and said, how did she run down? Then I quickly took two steps to run to the guardrail, and she had already fallen down. I held the guardrail with my left hand, and my right hand began to bend down to catch it, but before I caught her, she had already fallen into the river. As soon as she fell into the river, I immediately began to call for help. I said that someone had jumped into the river.

　　At 2: 02: 4 in the morning, Li Xincao jumped over the guardrail by the river and fell into the Panlong River. At 2: 04: 7, Luo Binggan called 110. Three minutes later, the 110 Command Center of Kunming Public Security Bureau informed the police along the river and the Kunming Fire Rescue Detachment to carry out search and rescue. Due to the rapidity of the river, Li Xincao who fell into the water was not found that night. On September 11th, Li Xincao’s body was salvaged by the police of the Water Branch at the East Pier of Dianchi Lake. The forensic doctor went to the scene to conduct a preliminary inquest on the body, confirmed that there was no obvious trauma on the body surface, and initially judged that it was drowning.

　　What is the basis for determining the crime of negligent death?

　　Excessive drinking and improper rescue made Li Xincao’s death heartbreaking and avoidable. Defendant Luo Binggan was sentenced to one year and six months in the first instance for committing the crime of negligent death. So what are Luo Binggan’s mistakes? Are these mistakes enough to constitute a crime? In response to these focal issues, the reporter of the General Desk interviewed the prosecutor of the case.

　　On September 9, 2019, the day Li Xincao fell into the river, the police informed her family. On September 15th, 2019, Li Xincao’s cousin went to the Drum Tower Police Station to check the surveillance video of the bar, and found that Luo Binggan was suspected of committing indecency against Li Xincao. The next day, she came to the Drum Tower Police Station again to report the case and asked the police to file a case.

　　On October 14, 2019, Panlong Public Security Bureau filed a case for investigation. On the same day, the Kunming Municipal Public Security Bureau upgraded and set up a task force to investigate, invited a number of national criminal investigation experts to Kunming to guide the investigation of the case, and carried out on-site inspection, interview investigation and corpse inspection in an all-round way. Procuratorial organs carry out legal supervision over the investigation of cases.

　　Mother Yanchang, spokesperson of Kunming Public Security Bureau:After inspection, we ruled out the death from mechanical injury, and ruled out the death from own diseases. No trace of sexual assault was found in Li Xincao’s life, and no common poisonous drugs were found. After investigation by public security organs in various ways and means, it is believed that Li Xincao fell into the water and died after being drunk.

　　In addition, the public security organs found that the circumstances of Ren Moushen and Li Moumou were obviously minor and the social harm was not great. After soliciting the opinions of the procuratorate, they were released from bail pending trial and terminated the investigation.

　　On October 22, 2019, Kunming police applied to the procuratorate for approval to arrest Luo Binggan for "compulsory indecency and insult" and "negligent death". On August 12, 2020, the People’s Procuratorate of Panlong District prosecuted Luo Binggan for allegedly causing death through negligence.

　　Reporter:At first, he was arrested on the charge of compulsory indecency and insult. Why did this charge disappear and become the crime of negligent death?

　　Wang Shuang, Procurator of the People’s Procuratorate of Panlong District, Kunming:Because the crime of compulsory indecency and insult is mainly to protect a private part, we found through the frame-by-frame review of this video surveillance that although Luo Binggan had such a move of bending over Li Xincao, there was no contact with the private part, then this slap in the face later, although in such a public occasion, seemed to be a public insult to the victim, but subjectively, according to Luo Binggan’s confession and the statements of Li Moumou and Ren Moumou, hit. Therefore, combining objective behavior and subjective intention, we think that Luo Binggan’s behavior does not constitute the crime of compulsory indecency and insult.

　　For the serious consequences of Li Xincao’s drunken drowning, Luo Binggan was convicted of negligent death according to law. According to Article 233 of the Criminal Law, the crime of causing death by negligence refers to the subjective negligence or overconfidence, and the objective behavior and result of causing death by negligence. So where is the boundary between crime and non-crime in this drowning death case that happened during drinking at a party?

　　Reporter:What is the basis for prosecuting Luo Binggan for the crime of negligent death?

　　Wang Shuang, Procurator of the People’s Procuratorate of Panlong District, Kunming:We think that Luo Binggan, as an inviter, then played a leading role in the whole process. When Li Xincao was seriously drunk that day, Luo Binggan had a duty of care in criminal law.

　　The procuratorate determined that when Li Xincao’s drunken reaction was obviously aggravated, especially after he walked out of the bar for the fourth time, he showed signs of wanting to jump into the river. At this time, Luo Binggan had foreseen that Li Xincao might endanger his life.

　　Wang Shuang, Procurator of the People’s Procuratorate of Panlong District, Kunming:After these abnormal behaviors, Luo Binggan failed to fulfill an effective duty of nursing and caring. Instead, he bent over Li Xincao and slapped Li Xincao in the face. These behaviors carried out by Luo Binggan stimulated Li Xincao’s mood to get out of control.

　　For the rescue and protection measures taken by Luo Binggan, the prosecution believes that it has far exceeded the responsibility and obligation of a co-drinker to protect his companions during normal drinking.

　　Wang Shuang, Procurator of the People’s Procuratorate of Panlong District, Kunming:Especially when Li Mouhao put forward some reasonable suggestions, such as calling 120 to send Li Xincao to the hospital and asking for help from the police, Luo Binggan did not adopt them. Therefore, we think that Luo Binggan’s subjective mentality of overconfidence leads to his failure to effectively protect Li Xincao, and ultimately there is a causal relationship between this behavior and the result in the sense of criminal law, so we think that Luo Binggan’s behavior constitutes a crime of negligent death.

　　Reporter:On the same day, there were also Li Moumou and Ren Moumou who were drinking together. Why did they only pursue Luo Binggan’s criminal responsibility?

　　Wang Shuang, Procurator of the People’s Procuratorate of Panlong District, Kunming:Ren Moushen and Li Mouhao, because they didn’t do some inappropriate behavior to Li Xincao that day, they took some care and assistance to Li Xincao. Therefore, the responsibilities of Ren Mou Shen and Li Mou Hao are relatively slight, and we believe that these two people do not constitute the crime of negligent death.

　　The focus of the trial: Does negligence constitute a crime?

　　On September 19, 2020, the Panlong District People’s Court of Kunming held a public hearing on the case according to law, and the defendant Luo Binggan was accused of negligent death and appeared in court for trial. In court, how to characterize Luo Binggan’s behavior has become the focus of controversy between the prosecution and the defense.

　　At 9: 00 a.m. on September 19th, the trial officially began, and Li Xincao’s mother appeared in court as a plaintiff in criminal incidental civil proceedings. The People’s Procuratorate of Panlong District accused that Luo Binggan should be investigated for criminal responsibility for the crime of negligent death.

　　During the trial, the public prosecution agency produced physical evidence, documentary evidence, witness testimony, audio-visual materials, expert opinions and the defendant’s statement, and the defendant Luo Binggan and his defender made cross-examination opinions on the evidence. Luo Binggan’s defender believes that Luo Binggan is just an inviter and drinker of a party, and his behavior that night has fulfilled his duty of protection. The two sides debated whether Luo Binggan constituted the crime of negligent death for two rounds.

　　Defender of Luo Binggan:Judging from this case, Luo Binggan’s behavior is an act of inviting everyone to a party and then suggesting that everyone drink. This defender believes that this act is not an illegal act in itself, nor a criminal act. Secondly, in this case, Luo Binggan took at least the actions and measures that he thought he could do when he foresaw that Li Xincao would commit acts that endangered life and health.

　　Regarding the defense opinions put forward by the defenders, the public prosecutor believes that Luo Binggan, as the proponent of the three wine games, has already had the duty of care in criminal law after Li Xincao’s drunkenness was abnormal, and his improper behaviors such as leaning over and slapping the face directly stimulated Li Xincao, who was already drunk.

　　Wang Shuang, Procurator of the People’s Procuratorate of Panlong District, Kunming:After Luo Binggan carried out the above misconduct, Li Xincao appeared more exciting behaviors, such as smashing ashtrays and lifting tablecloths. It was the defendant’s misconduct that stimulated Li Xincao and aggravated his personal danger. Therefore, the prosecutor wanted to say that Luo Binggan’s behavior had a causal relationship with the result of Li Xincao’s drowning in the river. Li Xincao’s death was not caused by his own drunkenness.

　　Prosecutor:You found something abnormal in Li Xincao. Why didn’t you call the police or send Li Xincao to the hospital?

　　Defendant Luo Binggan:I think it’s because of my lack of social experience. I don’t think 110 policemen will care about this kind of drunken madness. For 120, I don’t think I can afford the medical expenses. Another reason is that the three of us were watching over Li Xincao at that time, and one or two people were watching over her every minute, thinking that she would not have an accident.

　　During the trial, Luo Binggan pleaded guilty in court, regretted his behavior that night and apologized to Li Xincao’s mother.

　　Defendant Luo Binggan:I feel particularly guilty about this matter, and I am particularly sorry. Because Li Xincao was with us that day, but we really didn’t protect her, which led to such a tragedy. But please believe that my heart never wants or wants to see such a tragedy happen. I am deeply sorry for this, and finally say "I’m sorry" to my mother.

　　According to the accused facts and evidence, the collegial panel concluded that Luo Binggan should bear the responsibility of negligence in the sense of criminal law for Li Xincao’s death.

　　Qin Dongdong, President of Criminal Trial Chamber of Panlong District People’s Court in Kunming:After a series of behaviors endangering his own safety in Li Xincao, Luo Binggan not only failed to take correct measures, such as sending Li Xincao to see a doctor, stopping drinking or sending Li Xincao back to the dormitory to rest, but continued to drink. And in this process, the improper behavior of slapping on the face further stimulated Li Xincao and eventually led to Li Xincao’s death. We think that Luo Binggan was at fault for a series of actions and Li Xincao finally fell into the river.

　　Expert: people who drink together are responsible for accidents.

　　In recent years, it is not uncommon in life that drunken people are injured or killed accidentally because of excessive drinking at parties. What kind of obligations and responsibilities do people who drink at the same table have to drunken people? What enlightenment does this case bring us?

　　According to Liu Junhai, a professor at China Renmin University, according to the relevant provisions of the Tort Liability Law, when someone is drunk in the process of drinking at a party, a specific legal relationship will automatically be formed between the same drinkers.

　　For accidents after drunkenness, drunkards, as full civil actors, are mainly responsible for their own life safety, and organizers and fellow drinkers should also bear corresponding legal responsibilities according to specific circumstances.

　　Liu Junhai, Professor of Law School of Renmin University of China:After the drunkenness of fellow drinkers has happened, other people who are not drunk should maintain a high degree of sobriety, and you should fulfill the obligation of security for others. If you fail to fulfill your obligation to ensure the safety of others and violate this legal obligation, you will be liable to compensate others for the losses.

　　Due to excessive drinking and improper rescue, four young people had an ordinary gathering of friends, and finally one person fell into the river and drowned, and the other person took criminal responsibility.

　　Ren Moushen:This time we went out, we thought it was an ordinary drinking and shopping experience as before. We didn’t think anything would happen, and the days would be the same as before. Unexpectedly, just because of this time, I lost her forever, and she lost her life (choked).

　　There are no ifs in life, only consequences and results. The tragedy caused by drunkenness also sounded the alarm. Experts reminded young students at school to pay more attention to civilized moderation and mutual protection and assistance when drinking at parties.

　　Liu Junhai, Professor of Law School of Renmin University of China:Only by bringing the rights demands of your peers and fellow drinkers into your field of vision, can such citizens be responsible and truly have the civic literacy of the new era with legal awareness, ethical awareness and sense of responsibility.

　　(CCTV reporter Wu Chuang Li Wenjie Wu Bing Cheng Qin Liu Gang)

　　Genetic test results cannot be used for insurance.

　　Would you like to have an uncomplicated genetic test so that you can know your chances of developing lung cancer at the age of 50? If this test result will be used in your insurance underwriting, will you agree? I’m afraid it depends on the result.

　　Genetic testing, which sounds like a high-tech means, is actually not far from people. Many insurance companies have tried to "buy insurance to send genetic testing". However, there are two sides to everything. Perhaps, because you carry a highly pathogenic gene of a disease, you will pay special attention to or buy a health insurance. But perhaps, the results of genetic tests will affect the rate at which you buy insurance — — Even if you carry a highly diseased gene, it will not break out for a lifetime.

　　This week, the China Insurance Regulatory Commission revised the management measures for health insurance, and is in the period of soliciting opinions. It is mentioned for the first time that when an insurance company sells health insurance products, it is not allowed to illegally collect and obtain genetic information and genetic testing data of the insured except family medical history; Nor may the applicant be required to provide it. An insurance company shall not take genetic information and genetic testing data other than the family medical history of the insured as underwriting conditions.

　　Buying insurance and testing genes is a double-edged sword.

　　As we all know, suffering from diseases has a considerable relationship with the genes carried by human beings. In the past, genetic testing was regarded as a great technology, far from ordinary people. Now, you only need your saliva or a very small amount of blood to detect more than 50 diseases, including cancer, cardiovascular disease, Alzheimer’s disease and other gene-related diseases stipulated by the official critical illness insurance. The cost is only about 5,000 to 20,000 yuan. Even if you only look at a certain disease, the price of genetic testing can be achieved within 1,000 yuan.

　　In the era of big data, genetic testing is of unusual significance to insurance companies. Many insurance companies have cooperated with testing institutions to reduce the original expensive expenses so that ordinary people can also do genetic testing. This kind of "buy insurance and send genetic testing" product has been controversial since it entered the market. Among them, it involves not only ethics and privacy, but also policies and regulations.

　　For insurance companies, obtaining the genetic information related to the insured’s disease will make the level of risk controllable. For the insured, on the one hand, they want to know their genetic status, so as to judge whether to buy an insurance; On the other hand, they are worried that if the insurance company obtains its own genetic information, it will be refused insurance or raise the premium.

　　Genetic testing is a gray area.

　　You only need to scrape the epidermis on your mouth to know your risk probability of breast cancer in the future. This kind of "buy insurance and send genetic testing" is an innovative insurance, and it is also the initial stage of cooperation between insurance institutions and genetic testing institutions. The greater significance behind it is that genes containing a lot of body information are the most coveted big data in the insurance industry as a whole, and insurance companies can make more accurate risk pricing based on this database.

　　The person in charge of a large domestic life insurance company explained the genetic testing as follows: genetic testing can be used as the starting point of health management, and can provide targeted follow-up health management services according to the test results of customers. The results of genetic testing determine what kind of health services will be provided to customers in the future, and at the same time, a huge amount of health data can be obtained. At the same time, more accurate pricing can also be completed. However, to a certain extent, this is the adverse choice of insurance companies, and the principle of good faith has always been mutual.

　　The person in charge of this life insurance company told the reporter that a related case was reported abroad. A woman bought long-term care insurance after she found that the genetic test for the risk of Alzheimer’s disease was positive. Previously, the insurance company had tested her memory three times, and no abnormality was found in the genetic test.

　　If you are forced to test your genes, your concerns about the insured are more obvious. In addition to refusing insurance, privacy also has to be worried.

　　The new regulations prohibit the use of genetic testing for insurance.

　　China has always been in a vague area for genetic testing to be used in insurance. The new health insurance regulations in the consultation period explicitly mention for the first time: insurance companies selling health insurance products shall not illegally collect and obtain genetic information and genetic testing data of the insured except family medical history; Nor may the applicant be required to provide it. An insurance company shall not take genetic information and genetic testing data other than the family medical history of the insured as underwriting conditions.

　　Xia Ruxue, deputy general manager of the actuarial and big data department of Ping An Health Insurance, said that this move can completely block some companies or products from illegally collecting and obtaining the genetic information and genetic testing materials of the insured except family medical history in the name of genetic testing, or using genetic testing as a gimmick. "If the new regulations are officially promulgated, the related genetic testing insurance products on the market may undergo a wave of compliance adjustment".

　　The reporter learned that in many countries, whether genetic testing can be used for insurance has been controversial for many years. In order to minimize the negative impact of genetic testing technology on insurance, many countries have passed corresponding laws to guide it. Some countries prohibit the use of genetic testing results to some extent, some do not intervene, and some have a discussion period for several years before the laws are really passed, thus protecting both the insured and the insured, and safeguarding the interests of insurance companies.

　　What changes will the new health insurance regulations bring?

　　■ Long-term health insurance rates may be adjusted.

　　"Insurance companies can float the short-term health insurance rate, and the range does not exceed 30% of the benchmark rate; The insurance company may stipulate in the insurance products that the rate of long-term health insurance products shall be adjusted, and clearly indicate the trigger conditions for the rate adjustment. " This provision in the Opinion Draft means that it is possible to adjust the rate of long-term health insurance in the future.

　　The so-called long-term health insurance mainly refers to two products: one is health insurance with an insurance period of more than one year, and the other is health insurance with a guarantee renewal clause, although the insurance period does not exceed one year.

　　Guaranteed renewal clause refers to a contract in which the applicant applies for renewal of insurance before the expiration of the previous insurance period, and the insurance company must continue to underwrite according to the original clause and the agreed rate. To put it simply, the insurance company promises that the insured will underwrite according to the original terms and agreed rates every time he renews his insurance.

　　At present, the long-term health insurance rate is unchanged. In terms of critical illness insurance, consumers have bought a long-term critical illness insurance, and the premium paid every year is the same. According to the new regulations, if the rate of long-term health insurance can be adjusted, it means that the annual premium paid by consumers may be different, and it may rise in the future.

　　■ Information sharing between insurance companies and medical institutions

　　One of the highlights of the exposure draft is to increase the content of cooperation between health management services and medical insurance, encourage insurance companies to combine health insurance products with health management services, provide health risk assessment and intervention, and provide services such as disease prevention, health examination, health consultation, health maintenance, chronic disease management and health care, so as to reduce health risks and disease losses.

　　However, the exposure draft makes it clear that "health insurance products provide health management services, and their shared costs shall not exceed 20% of the net insurance premium". Services exceeding the above limits shall be priced separately, not included in the insurance premium, and the price of health management services shall be clearly stated in the contract.

　　According to the exposure draft, under the premise of fully protecting customer privacy and data security, insurance companies are encouraged to realize information interconnection and data sharing with medical institutions and basic medical insurance departments. In this regard, some professionals pointed out that breaking data barriers is an urgent task for insurance companies to cooperate in medical insurance business. With the subsequent information interconnection and data sharing, medical insurance and commercial insurance cooperation may have more to do.

　　Our reporter Fu Yang

Recently, FAW released the first model of the "transition to new energy vehicles" policy, the new pure electric sedan -, the new car is based on the new FMEs "flag" super architecture, launched a total of 5 models, the price range is 229,800 yuan – 309,800 yuan.

As the first model launched after the independent operation of the Hongqi new energy sub-brand, everyone pays very high attention to the Hongqi EH7, and under the current electrification wave, the Hongqi EH7 also bears the heavy responsibility of the transformation of Hongqi Automobile to high-end new energy vehicles. So what kind of strength makes the Hongqi EH7 take on such a heavy responsibility?

There are thousands of roads, and safety is of paramount importance

First of all, the most basic thing about a car is safety, which makes the Hongqi EH7 very powerful. It uses a cage-type body structure, which is firmly combined with stringers, B-pillars, etc. to form 9 H and 4 M-shaped structures. Moreover, the high-strength steel consumption of the Hongqi EH7 body reaches 74%, the ultra-high-strength hot-formed boron steel consumption reaches 22%, and the double-sided galvanized anti-corrosion steel consumption reaches 85%. These are all proof of the strength of the Hongqi EH7 body. In extreme scenarios such as vehicle rolling or serious collisions, the passengers in the Hongqi EH7 car are more safe.

As a pure electric model, battery safety is also its top priority. The Hongqi EH7 power battery system pioneered a six-sided three-dimensional insulation protection scheme, which increases the battery voltage, abnormal temperature wake-up, reverse pressure wake-up, and chip timing wake-up functions in the dormant state. Coupled with high-strength steel bottom guards and high-modal/high-stiffness design of the assembly, the overall strength of the vehicle’s battery pack is twice the national standard, thus protecting battery safety in all aspects.

In active safety, Hongqi EH7 is also very strong. It is equipped with front and rear AEB functions. When driving forward and reversing, through the AEB function, if there is an emergency, the vehicle will automatically stop to avoid collisions or reduce the damage caused by collisions. In addition, Hongqi EH7 is also equipped with some commonly used safety configurations such as lane keeping, steering assistance, door opening warning, lane departure warning, panoramic imaging, etc. It also has the intersection AEB function. Through the vehicle’s 5 high definition cameras, 5 millimeter wave radars and 12 millimeter wave radars and other sensing hardware, during the turning of the intersection vehicle, the AEB automatic emergency braking function can be realized, and the danger of the surrounding environment of the vehicle can be monitored in an all-round way, thereby improving the safety of the vehicle.

Spacious interior

In addition to the safety of the vehicle, as a C-class sedan, the space must also be spacious, and the Hongqi EH7 also has a good performance. It has a length, width and height of 4980 × 1915 × 1490mm and a wheelbase of 3000mm. In this way, you may have no concept of the space of the Hongqi EH7. You must know that the length, width and height of the same class are 4888 × 1896 × 1450mm and the wheelbase is 2998mm. By comparison, you can see the space advantage of the Hongqi EH7.

Power should be strong, battery life should be long

As a pure electric model, the topic that cannot be avoided is the power and battery life of the vehicle. Hongqi EH7 adopts a self-developed "three-high" electric drive system with ultra-high efficiency, ultra-high power and ultra-high speed. Among them, the ultra-high efficiency is through advanced technologies such as eight-layer rectangular conductors, SiC power semiconductors, and low-loss silicon steel sheets, supplemented by anti-churning technologies such as active lubrication and dry oil chamber, so that the maximum efficiency of Hongqi EH7’s electric drive system has reached 96% of the world’s first-class, and the cycle efficiency under CLTC conditions is 92%. Ultra-high power is very easy to understand. It is the high-power motor of Hongqi EH7. Its rear motor system peak power is 253kW, and the front motor system peak power is 202kW. The total power of the vehicle is as high as 455kW, and the total torque is 756N · m. It only takes 3.5s to accelerate from 0 to 100km/h. The braking distance of 100km/h to 0 is 35.3m. Whether it is acceleration or braking, it is the leader of the same class of models. It really not only runs fast, but also brakes. Ultra-high speed is reflected in the speed of the motor. The front and rear dual-motor versions of Hongqi EH7 have the world’s first motor speed technology with a maximum speed of 22500r/min. Such a high speed of the motor belongs to the top technology in the entire automotive industry.

In terms of vehicle battery life, the Hongqi EH7 can reach a maximum range of 820km under the CLTC standard, effectively solving the user’s battery life anxiety. The Hongqi EH7 also has the industry’s first low-temperature battery technology. In the weather of -10 ° C, the battery energy retention rate of the vehicle is 93%, while in the cold weather of -20 ° C, the battery energy of the Hongqi EH7 can still maintain a rate of 85%. In addition, the Hongqi EH7 also achieves an extremely fast energy replenishment of 215km after charging for 5 minutes. Even in the low temperature environment of -20 ° C, it only takes 48 minutes for the Hongqi EH7 to charge from 10% to 80%. And, the Hongqi EH7 also supports the external discharge function of 3kw, allowing owners to be able to rescue outdoors or camp outdoors.

Intelligent and rapid development, configuration must be rich

Now is the era of high-speed development of intelligence and networking. As a new pure electric model, the Hongqi EH7 also has good strength in intelligent configuration. It is equipped with a 6-inch instrument + 15.5-inch central control screen and a large 63-inch AR-HUD head-up display system. Coupled with the blessing of Qualcomm Snapdragon 8155 chip, the Hongqi EH7 has a good performance in terms of clarity and computing power.

The Hongqi EH7 also has a heart-to-heart voice interaction 2.0, which supports wake-up-free function, can talk continuously for 20 seconds, and also supports voice and gesture interaction, making the operation of the vehicle more convenient. In addition, the Hongqi EH7 is also equipped with 256-color ambient lights, 4 different themes of fragrance, a variety of personalized car scene modes, a 14-speaker sound system, and other advanced configurations, so that the personnel in the car have a comfortable car environment.

Che Degang concludes:

FAW Hongqi from 2018 a year less than 30,000 sales, to 2023 370,000 annual sales, sales to achieve 6 consecutive years of rapid growth, and 2024 open two months, Hongqi also achieved 65,300 good results, behind the sales growth, is the continuous breakthrough of Hongqi technology, so that consumers increasingly recognize the brand of Hongqi.

The launch of the Hongqi EH7 is not only equipped with the latest technology and design concept of Hongqi Automobile, but also represents Hongqi’s charge towards high-end new energy. At present, Hongqi EH7’s product strength is strong, and it is also very competitive in the same class of models. As for its subsequent sales, it can only be tested by time.

　　Zhongguangwang Changsha News (Reporter Deng Wenhui correspondent Guo Guoquan) On December 11th-15th, 2008, the 4th China (Changsha) International Automobile Expo was held in Hunan International Convention and Exhibition Center. Changsha Auto Show offers a feast for consumers in the central region. The auto show was co-sponsored by Changsha Municipal People’s Government and China Automobile Industry Association. Car exhibitors from more than 20 countries and regions at home and abroad brought more than 500 well-known brand cars to the stage, including a new car launched nationwide and more than 30 new cars launched in central China. The auto show has an exhibition area of 70,000 square meters and an audience of 200,000. During the auto show, the beautiful car model became a beautiful landscape.

Editor: Liu Li