Xi’an City Commercial Insurance Company To Undertake Major Disease Insurance Research On Problems And Countermeasures

With the rapid development of social economy and the improvement of people’s living standard,social security becomes more and more important in people’s normal life and work.Among them,serious illness insurance for urban and rural residents occupies an increasingly important position and plays a decisive role in social security.In recent years,Xi ’an has made great progress in the operation of serious illness insurance for urban and rural residents.Through the payment of serious illness insurance,patients can avoid the risk of poverty due to illness,and the economic burden of families can be reduced.A serious illness insurance by commercial insurance companies operating in the urban and rural residents,the government a lot of role,is the designer,the propagandist,is a serious illness fund managers,regulators,and evaluating,the government needs to arrange and perform the duties,or policy implemented to reach ideal result,want to in this paper,based on the research of government responsibility perspective can provide some reference,makes the government will be a serious illness insurance to the commercial insurance company to undertake,constantly improve the operation efficiency and effectiveness.Based on the perspective of government responsibility,this paper analyzes the operation status of serious illness insurance in Xi ’an,finds the problems and explores the causes,learns from the practical experience of typical cases,and puts forward targeted Suggestions.This paper hopes to find corresponding solutions to the problems in the operation of serious illness insurance for urban and rural residents in Xi ’an through these Suggestions.First of all,this research I adopt literature research,comparative analysis,experience summary method research methods,to xi ’an commercial insurance company to undertake the operation of a serious illness insurance from the scope of protection,capital financing and management,the definition of compliance costs,summarized the basic requirements of commercial insurance company,and listed as the number of ginseng,continues the way,pay scale,benefit compensation,the usage of funds,the present situation of the supervision and management,finds the existing problems and analyze from the perspective of government responsibility.Then,according to the domestic and foreign typical cases for detailed analysis,find out the reasons for its success,targeted reference to relevant experience.Finally,from the Angle ofgovernment responsibility,puts forward some Suggestions to solve the problem,not only from the aspect of the government’s power distribution,grasp the macro control of the government,to complete the rest of the meticulous work to participate in other subject,such as giving certain fiscal and the supervision of insurance companies,the need for many departments to perfect supervision mechanism;Moreover,it innovates ideas and introduces external professional institutions to evaluate the effect of insurance in various aspects.Efforts should be made to promote the "intelligent audit" service,while information sharing between various medical institutions and relevant departments should also be strengthened.Finally,in terms of improving residents’ satisfaction,we should strengthen policy publicity so as to provide more professional and better services for the general public.