Research On The Loss And Coping Strategies Of Critical Illness Insurance For Urban And Rural Residents In L City

Since the implementation of preferential policies for critical illness insurance in urban and rural residents,it has achieved remarkable results in improving the medical security level of urban and rural residents and alleviating the pressure of family medical expenses for serious illness.Urban and rural residents critical illness insurance in the operation mode is entrusted with commercial insurance company.From the first round of implementation experience exploration in 2016-2018 to the second round of steady progress in 2019-2021,urban and rural residents ’ critical illness medical insurance has achieved remarkable results.But also highlights some problems.Among them,the annual loss of commercial insurance institutions,the cumulative loss amounted to4000 million yuan;has seriously affected the commercial insurance organization cash flow,increased the operational risk;the sustainable development of serious illness insurance for urban and rural residents in L city is restricted.Therefore,on the basis of not reducing the income of urban and rural residents ’ serious illness insurance,how to reduce the loss of insurance institutions and realize the loss reduction has become an important topic in the insurance market.This paper expounds Beck’s risk society theory and service outsourcing theory,and provides a theoretical basis for the government entrusting commercial insurance companies to run urban and rural residents ’ serious illness projects.First of all,the general situation of serious illness insurance for urban and rural residents in L city was interpreted to understand its basic situation,system and operation status.By using the methods of institutional interview and case analysis,this paper analyzes the business data of urban and rural residents ’ serious illness insurance in L city from 2019 to 2021,and obtains the general situation and loss situation of urban and rural residents ’ serious illness insurance in L city.The study found that urban and rural residents in L city suffered from serious illness insurance losses.The main performance is that the financing rate is basically stable and the insured rate is declining year by year,and the compensation rate is rising sharply and the compensation subject is the middle-aged population.The settlement and measurement data show that the three-year losses are CNY 3.86 million,CNY 2.33 million and CNY 11.15 million respectively.The analysis shows that the causes of losses are not only institutional,but also affected by the service ability of the agent factors.To reverse the loss dilemma,it is necessary to optimize the design of the catastrophic insurance system,improve the ability of principal-agent to undertake,reverse the loss of catastrophic insurance,ensure the long-term operation of the catastrophic insurance market in L city,and play its social role in reducing the burden for the people.