Study On The Problem Of The Risk Management Of Critical Illness Insurance On The Basic Of H Life Company

In modern society,the disease incidence rate enhancing,as well as the medical expense day by day,many people have no excess to seeing a doctor,especially to the low income in city and the peasant,so the phenomenon of“ disease into poverty” is very prominent.Critical illness insurance is an effective way to transfer risk,it is always welcomed by people and it is the hot product since it is introduced into China.However,the huge market demand and frequent industry favorable policies failed to stimulate the enthusiasm of the life insurance companies.The insurers are always cautious about the illness insurance.Ultimately,the high operational risk and low profitability are the main reasons to constrain the development of commercial health insurance in China.This thesis takes an H life insurance company as an example,carefully examines critical illness insurance from the company and the customer two angles to insure the problem of it.The thesis uses the interview method and the questionnaire investigation separately to find problem and the reason and put forward the feasible suggestion to provide a favorable reference for an H life insurance company.First of all,the thesis introduces the researching background,especially the fact that the problem of the risk management,exists in the critical illness insurance,the article takes an insurance company as an example,carefully analysis the risk of insurance company and illness insurance.The major question contains:the life insurance company faces the risk;the critical illness insurance faces the risk;how to control the risk of critical illness insurance for life insurance company.Then,based on the review existing related literature,we present the motivation and the main content of this dissertation.In chapter two,we illustrate the theories of critical illness insurance and the risk management.In chapter three,the dissertation uses the interview method and the questionnaire investigation separately to analysis the present situation,the question and the reason of risk management and control,then,we illustrate the risk management problem of H life company.In chapter four,we discuss the excellent measures and experiences combined with major disease insurance risk management at home and abroad,then,we point out the risk management experience combined with the actual operation of H life insurance company.In chapter five,we put forward the feasible suggestions for the risk management of H life insurance company.The last part is the conclusion and prospect of the thesis.We put forward the corresponding measures of risk management through the study of H life insurance company that can promote the healthy development of critical disease insurance and perfect the important position of major disease insurance in the whole insurance industry.