Study On Long Term Mechanism For The Agency Of Business Insurance For Serious Illness Insurance

With today’s economy is the continuous development of social, medical standards gradually improved, the masses of social health insurance are generally produced strong demand, the market is running on the basic medical insurance can only provide basic medical security for the people, and for the high medical expenses of basic medical insurance and can not give good protection, an urgent need to appear high medical expenses reimbursed to protect the type of insurance on the medical market, serious illness insurance in this case came into being. In the course of several decades in the development of basic medical insurance, continue to improve the level of national universal health care, medical treatment is difficult to reduce the masses are spending big situation, and achieved good results, indicating that social security has given rise to very big improve their lives, so that people’s happiness index has been improved. And serious illness insurance as a supplement to the basic medical insurance in August 2012 gradually unfolded, it has gradually become connected social insurance and commercial insurance, bridge, effectively solve the people’s poverty caused by illness. August 2012, national political commissar issued a "guidance regarding the development of urban and rural residents illness insurance" (hereinafter referred to as "guidance"), serious illness insurance from various cities in the country gradually unfolded. In the past four years, serious illness insurance to carry out the process, it made up the vacancy of the basic medical insurance and to carry out further complement and improve.In the nearly four years of serious illness insurance pilot process, and achieved remarkable results, but also have some problems, these problems have seriously restricted the sustainable development of serious illness insurance. Firstly, in Chengdu City to carry out analysis of the current situation of Chengdu urban and rural residents illness insurance, and establish an actuarial model sustainable future. Secondly, by analyzing the operation of the Chengdu illness insurance, contact other current illness insurance pilot cities in China, summed up the seven categories of issues currently on the market there is a serious illness insurance:First, the low funding levels, serious illness insurance protection object has certain breadth, but its funding mechanism is too simple, and does not match the level of protection. Second, to raise a single channel, China’s current serious illness insurance in its infancy, funding over a single channel. Third, as a special property of public goods, leading contractors operating behavior of non-compliance. Fourth, the medical expenses too high, resulting in unnecessary medical costs, low efficiency of institutions, high administrative costs. Fifth, the lack of dynamic adjustment mechanism.Sixth, the lack of professional personnel. Seventh, the bidding process is opaque.By analyzing the seven questions before summary from six to give some solution to these six aspects are:expansion of a variety of financing channels, strengthen the effective supervision and management, building dynamic adjustment mechanism, give the relevant government policy support, specifications bidding mechanism, serious illness insurance commercial insurance agencies commissioned contractors Details lack guidance. The main contents and view the following article I will give a specific elaboration.The first part introduces literature and insurance-related illness, it is determined by reading a lot of papers relating to literature, namely:the long-term sustainability of research issues related to domestic serious illness insurance. It summarizes the content, purpose and methods.The second part, in this part of the commission first proposed a serious illness insurance commercial insurance agency handling the theoretical basis, first, the social medical insurance and commercial insurance combined; Second, government involvement to serious illness insurance operations; s Third, actuarial principles. Second, it presents a feasibility study commissioned by serious illness insurance commercial insurance agency handling, the first commercial insurance agency handling specialization pattern; second, the rapid development of China’s insurance industry; third, the State Council, the current devaluation of serious illness insurance.The third part of Chengdu serious illness insurance is the starting point of this paper mainly reviews the recent history of the development of serious illness insurance in Chengdu, Chengdu illness specific research funding levels and the level of protection of urban and rural residents insured, establish security and financing actuarial model, to predict and to fund income and expenditure of serious illness insurance fund future research the sustainability of future development.The fourth part introduces the current serious illness insurance pilot operation in China’s main case, by analyzing the operation of the market, serious illness insurance, serious illness insurance summed up the long-term development of the cause, there are seven, first, the level of financing low, serious illness insurance protection object has a certain universality, but its funding mechanism is too simple, and does not match the level of protection. Second, to raise a single channel, China’s current serious illness insurance in its infancy, funding over a single channel. Third, as a special property of public goods, leading contractors operating behavior of non-compliance. Fourth, the medical expenses too high, resulting in unnecessary medical costs, low efficiency of institutions, high administrative costs. Fifth, the lack of dynamic adjustment mechanism. Sixth, the lack of professional personnel. Seventh, the bidding process is opaque.The fifth part, through an analysis of the problems previously mentioned seven categories to ensure long-term sustainability of serious illness insurance business, can be improved mainly from the following six aspects:Extended multiple financing channels, strengthen the effective supervision and management, Construction of dynamic risk serious illness insurance adjustment mechanism to give policy recommendations to support the government, bidding mechanisms need to be further standardized, serious illness insurance commercial insurance agencies commissioned contractors lack the relevant rules issued guidance.Innovation Cipian thesis that there are currently few domestic scholars illness insurance-related literature sustainability, and serious illness insurance is currently in the initial stage of rapid development, the state has vigorously advocated the serious illness insurance operation, repeatedly issued a serious illness insurance related literature, so this article in Chengdu’s urban and rural residents are running serious illness insurance, for example, establish an actuarial model to predict serious illness insurance financing amount and payment amount for the next decade to analyze its business sustainability.The inadequacies of this article is that since data has been HowNet Now, the library to read the relevant data, there is little data to obtain first-hand information through field visits of the way, so for some of the data collected lacks some practical basis. And because of limited data in establishing actuarial model data used to select the time period is shorter, to predict the future of related data brought a certain bias.