The Study Of The Duplication Of Benefits On Commercial Medical Insurance In China

In recent years, with our country's continued socio-economic development and people's living standards continue to improve, people's health protection have become increasingly demanding. Simultaneously with the rising level of medical technology, medical expenses are also growing, coupled with China's social security system is not perfect, the lower level of development, should not meet people's practical needs, people have adopted the form of commercial insurance to divert a result of accidents or diseases caused by medical expenses. More and more and more people have multiple safeguards. Losses in order to fulfill the principle of indemnity, mostly in terms of individual insurance companies is clearly stipulated in the client application claims to provide medical institutions should be issued a certificate of medical expenses original settlement, the insured person in order to prevent duplicate payments because the additional profit. But with the People's Republic of China Insurance Law regarding duplicate insurance provisions, seems to be contradictions between the two. It is because of this contradiction has led to a large number of insurance contract disputes, a direct impact on commercial health insurance and healthy development of normal operations.In this paper, medical insurance applications, the need for medical expenses of the original settlement provisions of the certificate is reasonable as a starting point, mainly to explore the applicability of medical expenses insurance duplicate insurance, then analysis of COB to take duplicate payments as a means of improving the terms of the questions the feasibility of effective measures.There are five parts in this article. Preface Chapterâ… made the background to the study, the significance of the status quo at home and abroad related research and research methods of this article with the main study. Chapterâ…¡described the loss of principle, to repeat the basic elements of insurance and insurance law of our country duplicate insurance analyzed for follow-up analysis of this article lay the theoretical basis. Chapterâ…¢of the life insurance is applicable duplicate insurance. Organize this chapter in the analysis of relevant literature, summarized the views of many scholars on the basis of the types of life insurance in accordance with each analysis. Chapterâ…£of our medical expenses insurance payment duplicate questions to explore, when the insurance companies in claims losses for the implementation of the principle of compensation, medical expenses charged original settlement certificate contrary to the principle of equity premium, and then set out to solve the issue of duplicate payments the most fair and reasonable Ways to implement the terms of the coordination of benefits, and against the status quo, analysis of the implementation of the provisions of COB possible advantages and problems encountered. The last is to analyze the conclusions of the full text of the summary.