| At the end of 2002, China Insurance Regulatory Commission proposed“Guiding Opinions on Accelerating the Development of Health Insurance”for the first time put the specialized management of commercial health insurance issue on the agenda. The first professional health insurance company established in 2005, the issue ushered in a good start. But until now there are only four health insurance companies in the China’s insurance market and market share is limited, the development of specialized management is less than expected. The related research shows that specialized management is a favorable driving force for the development of commercial health insurance, but the current market performance has not fully shows the advantages of the specialized management. Therefore, it is of practical significance to explore the impact of specialized management on the development of commercial health insurance in China’s commercial health insurance market at the present stage.This paper mainly includes five parts.Chapter 1 is introduction, which introduces the background of research, research significance, research content, research methods and the innovation and shortcomings of the paper. Provide research ideas for the writing of the paper through the analysis of the specialized management problems of the insurance industry and the development of commercial health insurance.Chapter 2 is to introduce the specialized management is the theoretical basis of the characteristics of commercial health insurance, and the advantage of the specialized management of the commercial health insurance.Chapter 3 is to introduce the current situation of development of commercial health insurance and the specialized management of China’s insurance market, to provide a realistic basis for the following empirical analysis.Chapter 4 is one of the focuses of the paper. By constructing a mathematical model, from the angle of insurance company, using the method of quantitative analysis the impact of specialized management on the development commercial health insurance in China. Verify the positive role of specialized management for the development of commercial health insurance, affirmed the positive role of the health insurance company at the same time. And draw a conclusion that the main business development of property insurance companies and life insurance companies also led to the development of commercial health insurance.At last, Chapter 5 is another focus of the paper. Combined with the results of empirical analysis in Chapter 4 and pervious chapters content, offers advice on promote the professional development of commercial health insurance from the two sides of government and the professional health insurance companies. For example: gradually improve the separate operating system; Increase tax support, and raise insurance companies’ passion. Strengthen the professional personnel training; improve the ability to control risk. Increase product innovation to meet the diverse needs of the market, and actively expand the health insurance industry. |
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