Commercial Health Insurance, Professional Management And Practices Discussed

The development of China's commercial health insurance in recent years is rapid and healthy, and the insurance market has maintained a high speed of development, which is embodied in that the number of the health insurance business entities and the types of health insurance products are rapidly increasing, and the crowd to be covered by health insurance is gradually expanded. It is also embodied in that the business is growing rapidly, and the average rate of increase is larger than that in other personal insurance business. The ratio that Health insurance premium income accounted for in the personal insurance premium income is increasing by years.At a time of rapid growth, some problems appeared in the development of health insurance, mainly for the asymmetry between product supply and demand, and the product supply is difficult to effectively meet the pressing needs of the market. The health insurance products offering by different insurance companies have no differences in insurance liabilities and insurance coverage, and lack of purposefulness. In addition, we also note that in the health insurance business strategy, different insurance companies have great differences. This article attempts to start from health insurance professionalizing, and based on the summing-up of the old studies, in allusion to the controllable factors in development of health insurance, to focus on the substantive aspects of the health insurance business, in order to do some help for the healthy development of the insurance companies.Chapter one: the analysis of characteristics of commercial health insurance.First, the article introduces the concepts of health insurance in China and other countries, and makes a simple classification of the current health insurance products operated by all the insurance companies. Based...