Internet Health Insurance Influencing Factors And Countermeasures Research In China

With the penetration of internet technologies and applications into various fields such as finance,consumption,and th e gradual rejuvenation of online consumer groups,Internet health insurance has become a potential insurance for internet insurance.Internet health insurance has all the functions and characteristics of the traditional insurance,and at the same time,compared with the traditional commercial health insurance,it has the characteristics of low cost consumption,strong customer interaction,price friendly,product diversification and fast update.However,China's internet health insurance market is still in the early stage of development,rapid growth is accompanied by uneven development.Based on the analysis and summary of the current situation of internet health insurance vwhich is still in the exploration stage,and from the perspective of the influencing factors of internet health insurance,and combine with the development dilemma,puts forward relevant countermeasures which is of certain significarnce.First of all,it introduces the research background,research significance of this paper and literature reviexw points out the practical significance of studying internet health insurance countermeasures under the current background.Then,the current situation of internet health insurance is elaborated.Alth ough the demand of internet health insurarnce is growing day by day,its supply side is confronted with many development difficulties in product design,sales and service I1manageIIment.Therefore,how to give relevant countermeasures by analy'zirng the influencing factors of internet health insurance.This paper selects 13 indicators including per capita disposable income,married ratio,internet penetration rate and mobile phone penetration rate as explanatory variables,and the scale of intermet health insurance premium was taken as the explanatory variable to conduct empirical analysis on the demand influencing factors of internet health insurance.Finally,combined with empirical results and development dilemma,relevant countermeasures are put forward for Internet health insurance operation institutions:Firstly,realize the interconnection and mutual sharing of health and medical service data through the joint efforts of the government and relevant enterprises;Secondly,innovative product development and design;Thirdly,use big data to build the intelligent official website of insurance operation institutions and realize intelligent insurance and clairm verification;Fourthly,provide customers with good health management service experience.This paper hopes to provide some reference and valuable countermeasures and suggestions for the development of internet health insurance in China.