Research On The Problems And Counterme Asures Of Internet Commercial Medical Insurance

Commercial medical insurance is a supplement to the social medical insurance, is a part of the medical security system, in recent years, with the integration of "Internet plus" and the traditional industries depth, commercial medical insurance for the birth of the Internet and develop. Commercial medical insurance for the Internet not only is the sale of medical insurance on the Internet, the Internet comes with quick, convenient, and other characteristics, the medical insurance payment and alleviate the burden of the disease, which will exert a profound influence and change.The in the understanding of the Internet at home and abroad commercial medical insurance development situation, according to the reality of our country, after deep thinking and research, summarize and put forward countermeasures and suggestions to promote the Internet of commercial medical insurance in China. This thesis is divided into four parts: the preface mainly discusses the research background, purpose and significance, research ideas and research methods, technical routes and innovations and deficiencies. In the first part, the overview of Internet commercial medical insurance, including related concepts of definition, characteristics of the commercial medical insurance for Internet scale, Internet commercial medical insurance, Internet commercial medical insurance, the general process of commercial medical insurance for the Internet channel type, the Internet commercial medical insurance typical products and Internet commercial medical insurance is introduced. The second part for domestic and foreign Internet commercial medical insurance is analyzed through extensive literature research, mainly studies the present situation of countries (regions) such as Japan, South Korea and China, Hong Kong and the mainland of China Internet commercial medical insurance, at the same time, summarizes the China mainland Internet insurance development present situation. The third part from several aspects: improve the medical insurance system, medical institutions, insurance management and insurance companies themselves, find the problem of Internet of commercial medical insurance in China, put forward to strengthen and social medical insurance cooperation and improve medical security system, strengthen the cooperation with medical institutions, improve the assessment, promote the insurance to health management, improving the relevant supervision and suggestions on strengthening the self-construction of the insurance company, in order to promote the development of China’s Internet health insurance.