Research On Development Issues Of China's Commercial Major Disease Insurance

With the continuous development of our country's economy,the quality of resident's life continuously improved and people's awareness of health insurance has become stronger.At present,the major disease insurance of commercial insurance companies in China is getting more and more attention.However,there are relatively few articles on the research of commercial critical illness insurance.Therefore,based on the current situation in China,this paper designs and produces two sets of questionnaires for company T.Insurance agents and clients who consulted for insurance conducted separate investigations on various aspects of critical illness insurance and collected a total of 420 questionnaires.This paper integrates and analyzes the data collected from the questionnaires,so as to study the development and existing problems of T disease risk insurance.Take T Company as an example to explore the development of China's business critical illness insurance.The general structure of this topic is as follows:The first chapter discusses the background of the research and the significance of the topic.It summarizes and summarizes the situation of business critical illness insurance at home and abroad,and introduces the research content,framework and innovation points of this article;The second chapter elaborates the concept and characteristics of commercial critical illness insurance,and summarizes the incidence of major diseases,treatment costs,cure rates,etc.,and outlines the development history and current status of commercial critical illness insurance at home and abroad.The third chapter collects the company's sales of critical illness insurance,and conducts a questionnaire survey of the company's insurance agents and clients,and analyzes and summarizes the results.The fourth chapter is based on the previous analysis,to find out the common problems in China's commercial insurance companies.The fifth chapter proposes relevant countermeasures and suggestions from three aspects:the quality of insurance personnel,the needs of customers,and the product itself.