A Study On Profit Model Of A Health Insurance Self-claims

There is no doubt that the insurance industry development of China is relatively short in the initial stage of insurance development,and it has produced some problems in the development process.As we all know,the "claims difficult " problem was the most popular criticism.The background of insurance "claims difficult" problem is complex.From the insurer and the insured point of view,it mainly conclude three points: First,the insured for insurance knowledge and insurance claims knowledge less,such as the insured after the risk,can not judge Second,last,the traditional claims process of insurance companies is too cumbersome and lengthy,so it is difficult to ensure the timeliness of claims when the insured although the current "Insurance Law" to a certain extent biased towards the insured,but the current China's insurance system is still a big problem,such as 2015,the insurance policy can not be used to provide insurance for their own insurance,China Insurance Regulatory Commission to cancel the insurance agent qualification examination,insurance agents lower occupational threshold,the overall quality is poor and high mobility,insurance agency industry regulation loose,a large number of "orphan" and so on,insurance "claims difficult" problem need to be resolved.The author himself worked in the insurance industry for many years,and realized the business opportunities in the insurance claims service,so several colleagues in the industry set up the DY network technology company.DY network technology company was established in January 2016,to determine A health insurance self-help settlement platform is the company's main business model.As we all know,the insurance self-service claims platform client to meet the current insurance claims market demand.And the insurance self-service claims client is the product of insurance industry and the Internet.With customer data analysis will be more efficient end-user segmentation and the realization of accurate marketing.For the development of the entire insurance industry to broaden the marketing channels;for the insured,will be insured for insurance claims processing,it is clear that the insurance self-service claims platform client will promote the insurance self-service platform for enterprise market development.In this paper,we studies the starting point of the current insurance claims "difficult" social problems,and put forward the insurance self-help claims platformproject.In the paper,we analysis the insurance self-help claims platform project profit environment,service model and the basic profit model.After that,we take the questionnaire Law and customer satisfaction CSI data as a customer demand data support for the insurance "claims difficult" to solve the problem.Thus the insurance industry and Internet profit model innovation has a strong practical significance.