Hospital Insurance "one - Stop" Service Program Design

Over the years, commercial medical insurance act as a leader in the health care system in developed countries.The social medical insurance as a leader in our health care system while commercial medical insurance does not play an active role. As a whole,It was developed slow of our country’s commercial health insurance industry.There are fewer types of products problems of our commercial insurance, the security is not comprehensive, the opportunity cost is high after an accident for medical treatment, moral problems such as high risks and claims processing problems, coupled with the current of the environment is the heavy burden of our social medical insurance and the aging population is serious.This situation need a product which can be provide a fast medical treatment, a quickly insurance claims for the insurer.The product not only can inject new life into the health of China’s insurance industry, in particular, also can be solved the problems of the elderly inpatients.Therefore, considering the macro market environment and the actual needs of both supply and demand, by settling the hospitalization medical insurance in foreign advanced experience, considering every conditions of our country, designed a suitable middle-aged hospitalization medical insurance products, hospitalization medical insurance product "one-stop" services.This paper consists of seven parts for hospital medical insurance product "one-stop" service design. The first part from a macro and micro perspective to explain to hospitalization medical insurance products "one-stop" service program design. Second part written international experience for design inspiration. Third part by product, function, and design concepts, define the hospitalization medical insurance product "one-stop" services, allowing consumers more intuitive about hospitalization medical insurance products "one-stop" service advantages. The fourth part introduced emphatically in hospital medical insurance product "one-stop" the service plan, from the localization of product,the concrete provision and the service design, the product risk and market prospects three dimensions carries on the elaboration.The fifth part through three stages description the advantages of product.In the sixth part uses 4C marketing concepts, designs take the customer as the central promoted strategy, promotion of low-cost, convenient products clients, communicate effectively,Building an effectively communication to comprehensively promote hospital medical insurance products "through-train" arrangement. Part seven is conclusion of an article.