Scheme Design Of Complementary System Of Supplement To Serious Diseases By Mutual Insurance Company

As the rapid rhythm of human lives, increased pressure, serious environmental pollution, and people paying insufficient attention to health problems, bad habits existing in daily life, result in a significant increase in the incidence of disease in china. Therefore, serious illness should be paid more and more attention. At present, China’s serious illness insurance system is ensured by urban and rural residents serious illness medical insurance and business serious illness insurance, there is still a limited scope of protection and a limited effectiveness of protection.Mutual insurance has recently been encouraged and supported, and has a favorable policy environment. Mutual model applied to serious illness insurance system can be better targeted to low-income groups additional serious illness protection, mutual insurance is also closer to maintaining the interests of patients with serious illness, so the mutual model is suitable for supplement the current serious illness insurance system. At present, there are several platform of mutual providing major disease insurance. But Internet platform model has some problems, such as poor credibility, not professional enough, the lack of perfect organizational structure and professionals. Therefore, in reference to the current anticancer commune, E mutual and bihu platform, this paper views that serious illness insurance system is supplemented by mutual insurance company.Next, the paper makes a project design. The concept of the project is the integration of mutual aid, Internet and insurance. The role focus on providing insurance service for low-income groups and specific illness risk population. The content of the project includes online and offline business model, four-in-one organizational structure and value-added services profit model. The core point of the design is to focus on the design of service targets, online and offline dual mode operation. The paper finally analyzes problems in design and the coping strategies.