On The Practice Status Of And Countermeasure For Urban And Rural Residents’ Serious Disease Insurance Business From The Perspective Of Commercial Insurance Company

As early as 2012,six ministries and commissions,including the National Development and Reform Commission,the Ministry of Health and the former Insurance Regulatory Commission,jointly promulgated the Guiding Opinions on the Development of Serious Disease Insurance for Urban and Rural Residents.They requested provinces,autonomous regions and municipalities directly under the Central Government to further improve the urban and rural residents’ security system and improve the multi-level medical security system.In particular,special attention has been paid to major diseases,which requires effective improvement of the level of protection for major diseases,and specific guidance has been put forward for the development of major diseases insurance for urban and rural residents(hereinafter referred to as "major diseases insurance").Under the care and guidance of the CPC Central Committee and the State Council,all parts of the country fully realize the importance of carrying out major disease insurance,adhere to government-led,strengthen professional operation,actively support and encourage commercial insurance companies to undertake major disease insurance business,make full use of the professional advantages of commercial insurance institutions,and give full play to the role of market mechanism.To continuously improve the operational efficiency,service level and quality of major illness insurance.Commercial insurance companies have developed their major illness insurance business for many years,which has deepened the cooperation between commercial insurance companies and the government in the field of protecting people’s livelihood.The major illness insurance schemes formulated in conjunction with local conditions have also been continuously improved and optimized in practice,but many problems are gradually exposed.Out,the most prominent is how to promote the long-term stable operation and development of major illness insurance business.From the perspective of commercial insurance companies,if commercial insurance companies fail to achieve low cost and profit in the field of major illness insurance for a long time,it will inevitably affect the enthusiasm of commercial insurance companies to participate in major illness insurance business,and even cause commercial insurance companies to passively cope with the "hot potato" of major illness insurance because of successive years of losses.” This kind of problem deserves the attention of the society.We must find a correct and effective solution to ensure the healthy and sustainable development of commercial serious illness insurance business.Based on this background,this paper,from the perspective of commercial insurance companies,discusses the current situation of serious illness insurance business of commercial insurance companies,and takes Inner Mongolia Branch of China People’s Property Insurance Co.,Ltd.(hereinafter referred to as "PICC Property Insurance")as an example,through actual case analysis,finds out the major illness insurance business of commercial insurance companies.The problems faced in the operation and management of insurance business are analyzed,and the causes behind them are analyzed,and the corresponding countermeasures are found out.The first part is the introduction,which mainly elaborates the background,significance,content and method of the research,and focuses on the related literature research at home and abroad,which lays the foundation for the writing of this article through reading the literature.Definition of relevant concepts and theoretical basis,elaboration of basic concepts and theoretical basis related to major illness insurance business of commercial insurance companies,and elaboration of major illness insurance business practice characteristics and advantages;The third part is the current situation and existing problems of major illness insurance business of PICC,taking PICC major illness insurance business as a case,in detail.This paper makes a detailed analysis of the current situation of the major illness insurance business of PICC,such as the scale of premium,coverage and risk management,and finds out the existing and faced problems accurately through the analysis of the current situation.The fourth part is about the causes of the problems in the practice of PICC major illness insurance business,and combines the relevant problems to find out the problems.The fifth part is the main reasons behind the problems;the fifth part is the countermeasures and suggestions to promote the practice of PICC Serious Disease Insurance.Combining with the problems and related reasons,the corresponding countermeasures are formulated to promote the healthy and sustainable development of PICC Serious Disease Insurance;the sixth part is the conclusion,which summarizes the whole article.With the help of the above results,taking the serious illness insurance business of PICC as an example,this paper makes a detailed analysis of the development status of the major illness insurance business in China’s commercial insurance,points out the main problems existing and facing,and then draws up corresponding solutions to ensure that the development of the serious illness insurance business of commercial insurance companies can better solve the heavy burden.The burden of medical expenses should be borne to improve the level and quality of basic medical security of the people.