The Path That Commercial Insurance Orgnaization Handles Serious Illness Insurance And Counterplan

With the continuous advancement of medical system reform,the coverage of medical insurance has been nearly saturated,and the medical security treatment has been kept at a relatively high level.However,in the face of the objective reality of rising medical costs and diversified medical demands of the people,it is necessary to consider how to better guarantee the sustainable development of medical insurance.In recent years,hangzhou fuyang area has been committed to from multiple aspects,multiple dimensions,and a variety of forms to further establish more perfect medical security system,especially by making commercial insurance institutions to participate in the development of medical insurance,serious illness insurance system should be established in order to broaden the business potential in the process of insurance agency orgnaization of the space,in the control unreasonable medical expenses,improve the health service ability,guide a rational medical consumption,ginseng protect personnel play an important role through medicare agency relationship,etc.Based on the research literatures at home and abroad,the developed countries and domestic pilot cities based on practical experience,the introduction of international experience,can be drawn lessons from health insurance reform is in keeping the government dominant position on the basis of introducing market mechanism,give full play to the advantage of government and market,both fairness and efficiency,and balance the rights and responsibilities.To strengthen the cooperation between government and commercial insurance institutions,the advantages outweigh the disadvantages and the opportunities outweigh the threats.However,it is necessary to clarify the status of both parties in the social security system,implement appropriate medical security level,and establish a cooperative operation path suitable for local characteristics,so as to further promote the development of the medical security system..This paper focuses on analyzing the operation status of the cooperative program of major diseases insurance in fuyang district of hangzhou from three aspects: project setting,project implementation and project effect,and finds that there are nine major problems in the program.Based on the advanced practices of pilot regions at home and abroad,this paper elaborates the measures to improve the stable,safe,efficient and sustainable development of commercial insurance in fuyang district of hangzhou from three aspects of financing level,risk management and professional management.This paper takes the cooperation project of major diseases insurance in fuyang district as the breakthrough point,provides practical cases for commercial insurance institutions to handle social basic medical insurance,and finds suitable reform path for the reform of medical insurance in other areas.