An Empirical Analysis On The Innovative Service Of Critical Illness Insurance In Jiangmen

The critical illness insurance scheme is a secondary reimbursement for medical costs on the basis of the basic medical insurance,it is a policy health insurance which is led by the government and undertaken by the commercial insurance institutions,and this scheme has been in operation for more than three years in the first batch of pilot areas in China.As a result,the program has played an important role to reduce the medical burden of Chinese residents.However,it also exposed some problems in the process of operation such as imbalance in budget,difficulty in risk management and defect in the insurance design and so on.These,in turn,affect the stable and sustainable development of critical illness insurance.Against this backdrop,this paper selected the Jiangmen city as the research object,and used literature analysis,public information resource study,typical analysis and experiential summary method,as well as quantitative analysis.First of all,starting from domestic and international practical experience,this paper would provide empirical support for the main problems existing in the progress of critical illness insurance implemented in Jiangmen.Secondly,this paper also applied the data statistics,online analysis processing and the decision tree model for risk prediction to data mining which was aimed to analyze the depth causes of problems and discover some suggestions for improving the management of critical illness insurance in Jiangmen.The main research contents of the article are as follows:The first chapter of my paper is the introduction.This part mainly includes the background of this subject,the research purpose and ideas,writing innovations and shortcomings.The second chapter firstly reviews the development of critical illness insurance in China,and then expounds the health care systems of the UK,Germany,the United States,Cuba,Singapore and Japan.From these countries we explore the national policies for high medical expenses of patients and summary the experience we can reference.The third chapter firstly analyzes the implementation of critical illness insurance in Jiangmen.in a preliminary way and puts forward some problems and then expounds the content and meaning of Jiangmen's family doctor system which is established by China Life.The second part is the data mining through the pivot table and decision tree model and puts forward further problems and risks existing in the operation process of critical illness insurance.The fourth chapter is to put forward the countermeasures and suggestion for the management of critical illness insurance on the basis of the previous studies,in order to have a contribution on the stable and sustainable development of critical illness in Jiangmen.