Research Of The Efficiency And Sustainability Of Serious Illness Insurance Based On The Perspective Of Commercial Insurance Company

At the end of August 2012,the six ministries and commissions such as the National Development and Reform commission,the Ministry of health,and the China Insurance Regulatory Commission issued< Guiding opinions on Improving serious illness insurance for urban and rural residents >(hereinafter referred to as the " guidelines "),which further cleared about the commercial insurance institutions to participate in the basic pattern and frame of serious illness insurance business.In this background,local governments and commercial insurance company responded to the call and positively offered innovations of model pilot to carry out serious illness insurance business.In terms of Guangdong province,as of December 31,2014,in addition to the Guangzhou,Zhongshan,Dongguan,Shenzhen,which is a separate state,commercial insurance companies have undertaken serious illness insurance business in 17 cities in Guangdong.The serious illness insurance business in Guangdong province basically achieved at the prefecture level and the management of urban and rural integration.For more than two years,although the commercial insurance company actively involved in the process of serious illness insurance business management,the cooperation plan with governments was developed and business management pattern was optimized,but along with the continuous development of business,more and more problem are exposed,which most prominent and plagued by commercial insurance company are the efficiency of serious illness insurance business and how to maintain a sustainable development.From the point of view of the operator,if the company does not cover the charge of serious illness insurance business for a long time,it will inevitably affect its operation and the enthusiasm of the business and the power to follow up continually,which leading to the validity of the implementation of the guidelines.This is obviously contrary to the original intention of the guidelines and the expectations of the masses.Based on this,this article attempts from the perspective of commercial insurance company in Guangdong province,with the help of the three-stage DEA analysis method and the principle of balance of medical treatment insurance actuarial,tries to analyze the main problems existing in the process of serious illness insurance which commercial insurance undertook in Guangdong province,which namely the efficiency and the sustainability of serious illness insurance,and then puts forward the corresponding comments and suggestions.This article is to solve the problem of efficiency and sustainability and to provide experience for Chinese commercial insurance companies which undertake serious illness insurance,and finally to put forward t suggestions for the reference.