| With the continuous advancement of the concept,business model and technical level of health management services,technological innovations based on the Internet and artificial intelligence will promote the development of the insurance industry and the health industry.In order to fill the current gap in health protection in the domestic market,multiple parties need to work together.As a key link in the big health industry chain,insurance companies should focus on consumers and provide insurance products that not only meet the needs of the domestic market,but also should start from the customer’s consumer needs.The integration of the health industry and the insurance industry is bound to discover greater value space.As the integration of domestic health insurance and health management continues to deepen,the integration of the health industry and the insurance industry has become unstoppable.This article first puts forward the research background and significance of the integrated development of health insurance and health management to tease out the research results at home and abroad.The article suggests the relevant theory based on it,and the contribution includes some fundamental contention,related concepts,and 4modes of cooperation between insurance companies and health management institutions;followed by the background introduction of P company,mainly the current integration of health insurance and health management of it.A comparison of the present integration status of P company with PICC Health,CPIC United,and Fosun United;and then is the core content of this article,starting from the analysis of motivation,we understand the reason why P company adopts the "health insurance +health management" integration model.Combine the factors that affect the effect of P company integration,such as company size,profit,online medical development,product pricing development capabilities,and professional talent quality,so as to explore the future direction of improvement of P company integration.To grasp the immediate profitability of P company through financial performance analysis,the article tries to propose analyzing health management on the profitability of P company;then start from the effectiveness and problems of P company integration,and roughly grasp the respondent’s health insurance by issuing questionnaires purchasing intentions for fusion products with health management,and draw some conclusions.For example,integrated advancement can increase customer stickiness,more than 70% of the respondents accept the integrated products,health screening is the most popular service content among the respondents,and many people are unwilling to purchase integrated products because distrust the third-party health management of institutions.The distrust of institutions;The last part puts forward corresponding countermeasures and suggestions on the development model of “health insurance+health management”integration of P company. |
