Our Group Health Insurance Cost Control Problem Discussed

1. Background Accompany with reform of our country social security system reform, the setting up of the Medical Insurance System for Staff and Workers of Cities; together influence with high new technical usage in the medical treatment and inflations accelerate the medical expenses soar; The population old age trend turn worse in our country and our country's insurance industry opens completely at the end of 2004 , the group health insurance become the focus of theories and the practice fields. Operating the group health insurance requires professional, owing to the group health insurance start night, shortage of experience, hesitating in the developing road. Its result in not only product category is limited, the price is higher, the existing market demand can not be met, but also the rate of compensation is high, the whole industry is totally in the state of poor performance. Investigate its reason, lie in the group health insurance cost's can not get the valid control, therefore, the urgent problem need to resolve at present is the cost control of the group health insurance. As a kind of system arrangement, the cost control of the group health insurance is a reflection of profit pursues process within management activities. Differ from the cost control of the general business enterprise. The general business enterprise cost control emphasizes at the cost management to internal and each link of business enterprise; Because it provides the special of the product, The cost control of the group health insurance has the very strong dependence on external environment .As a result, a study on the cost control, contribute to our comprehending the main influence factor and homologous control meanses of the group health insurance costs, provide the certain theories for the group health insurance practice .Moreover, analysis concerning the our country group health insurance cost control measure can also for the group health insurance the one who plan of design provides to draw lessons from the meaning. 2. Contents and Structure In our country, compared with the fulfillment activity of the group health insurance, related theories of concerning the cost control of the group health insurance the research studies is lagged. Therefore, it's a very urgent mission for our current group health insurance study to develop the valid measures in order to our practice through Deeping analysis the experience of foreign country. Because the group health insurance cost control involves wide contents, through the whole management activities, and the operation process is under the influence of many factors. For example, the size, sex and age structure, the paroxysm outbreak rates of the population, the technical progress, the diagnosis and treatment project of variety, medical science that fall ill the rate, the disease table of the development of the choice, new medicine and usage, the price of the medical treatment consumer goods changes, etc...At the same time, it influence by many factors to a large extent, such as the change of people's healthy idea, the change of behavior and mode that people get medical treatment. Therefore, there is very big difficulty on cost control of the group health insurance. The research of group health insurance cost involves the sociology, the management, actuarial, welfare economics, health economics, accounting etc. Its function still under the influence of national regulation, the laws of medical treatment, the level of economic development and numerous factors such as level and the consumer behavior etc..This thesis is composing of three parts, as follows: Chapter 1, the theories foundation of the research problem. Made the thorough analysis and investigate to the group health insurance cost control concept and characteristics. Firstly, Introduced the origins of the group health insurance and basic concept of the group health insurances firstly; Secondly, the introduction and analysis to the basic concept about cost control; Thirdly, the analysis of the supply and demand characteristics of healt...