Research On The Development Model Of Commercial Insurance And Government Cooperation For High Medical Expenses Of Million Medical Insurance

In the context of an aging population,a high incidence of cancer,and rising medical costs,this thesis is dedicated to studying the commercial insurance and government cooperation based on the combination of government and commercial insurance companies based on the combination of government and commercial insurance companies.Develop product models to enable more people to be able to afford the disease,afford better cancer specific drugs,and obtain better medical services,thereby reducing the proportion of people returning to poverty due to illness.Under the existing model,both social security and commercial insurance have their own characteristics.Therefore,this paper further analyzes the current situation of the dispersion of high medical expenses and the government and commercial insurance cooperation model of high medical expenses of one million.The government and commercial insurance cooperation model of high medical cost of one million is measured and calculated to achieve a relatively uniform and reasonable rate setting,so that all age groups and seniors such as pre-existing diseases can participate together to solve high medical expenses.This paper analyzes the sample data of urban employee medical insurance in Zigong City,Sichuan Province,conducts preliminary pricing and sensitivity testing of the model,and obtains a practical plan,and analyzes the multi-party cooperation model of the government,insurance companies and third-party health management agencies Feasibility and give specific suggestions.The characteristics and innovations of this paper are reflected in the fact that the insurance model studied can enrich the local multi-level security system,effectively improve the coverage of insurance and medical services,improve the people’s health protection level,and achieve a tripartite win-win situation for the people,the government and the company.Compared with the traditional risk dispersion method,its advantages are reflected in the following three aspects: First,based on equality of opportunity,it covers urban low-income groups,the elderly,people with pre-existing diseases and other traditional commercial insurance services that cannot provide insurance protection.Enriched the multi-level guarantee system;second,reasonable pricing based on the guidance of local government functional departments and medical insurance data,so as to achieve cost-benefit to the people while meeting the requirements of business sustainability;third,relying on the advanced technology background of insurance companies,and at the same time The medical group has a large number of pharmaceutical and online stores,so that customers can enjoy convenient and safe guarantee services without going out,which obviously enhances the people’s sense of access to insurance medical services.