Optimization Design Of CX Company's Major Illness Insurance Cost Control Plan

Since the establishment of China's urban and rural residents disease-care insurance system in 2012,after nearly six years of development,it has entered the stage of comprehensive coverage from the initial trial-and-explore stage.As of now,all of the 10 districts of Shaanxi Province have implemented urban and rural residents disease insurance,and the number of people participating in the insurance has exceeded 30 million,of which the urban and rural residents' major illness insurance in X city is undertaken by CX.The serious illness insurance business has entered a stage of steady operation,Funding standards and reimbursement policies of various cities have been basically established.Under this premise,the insurance company's own management level,especially the cost control management level,has become a focus of attention and needs to be resolved at the current stage.This article takes the operation situation of major urban and rural residents' ill-illness insurance projects undertaken by CX Company as the research object.Firstly,it introduces the development background,basic concepts and status quo of the major illness insurance system in China and Shaanxi Province,and draws attention to the links that should be paid attention at the current stage of major illness insurance business,that is,cost control management,sort out all the items in cost control,sort out the items,and define the connotation of cost of major illness insurance business.After that,it elaborated on CX's major illness insurance business,analyzed the current status of its cost control program,identified problems and causes,and proposed an optimized design and supporting measures for cost control on the basis of this,so as to achieve the purpose of reducing costs and improving efficiency,and further improving The management level of CX's major illness insurance business.As a new thing,serious illness insurance has less special research,and it mainly focuses on the contracting mode between the government and insurance companies,whether it should be handed over to the insurance company in the early stage or not,and later to the financing standard,compensation ratio,and overall level,analysis of service standards and other policy aspects,the main purpose of the study is to provide the basis for the game between the government and insurance companies.This article takes the concrete CX company's serious disease insurance project as an example,and discusses it as a complete and mature business project,it focuses on the problems existing in the cost control program itself and proposes optimization measures,the angle of the selected topic is more realistic and can also be Provide reference and reference for the company to undertake major illness insurance work in other regions.