Analysis Of Risk Management Of Commercial Health Insurance In China

Nowadays, the commercial health insurance in China is facing the good opportunity to her development, but the lag of risk management method has been the very obstacle restricting the development of commercial health insurance industry. The character of the commercial health insurance determines that risk control is crucial far the operating of health insurance. This article will analyze the risk factors of operating the commercial health insurance and discuss the risk management measures to do some favor to the insurance company's marketing.In the first chapter, the article mainly introduces the concept of the commercial health insurance and the present condition of the domestic commercial health insurance market. Health insurance is that one which undertakes the payment or indemnity when the insured suffers from medical cost, income lass, disability or death due to the disease or incidents , whose subject matter is human's body. From the macro-aspect ,the commercial medical insurance is just started in China ,but with the improvement of the market and the support of our government policies the commercial health insurance face the good opportunity to develop .It has enormous potential market as well .From the micro-aspect, the mount of commercial health insurance products are great ,but the liability covers are not enough .Insurers can not effectively control the risk ,which leads to the higher payment .Further more ,the entries of foreign insurance companies because of WTO enlarge the competition .The potential demanding of health insurance is plenty ,but the virtual demanding is lack .All of this indicates that every participator need more improvement to advance the commercial health insurance market.In the second chapter, the article mainly analyzes the risk factors of operating the commercial health insurance. Based on the primary analysis,...