Research On The Innovation Of Internet Insurance In China

With the accelerating pace of the Internet age, the continuous development of network technology, various areas of public life has quietly integrated into the network elements. From the Internet to the mobile Internet, to the popular large data, cloud computing, artificial intelligence, it can be said that digital technology to change people's lives in all aspects of basic necessities, education, health care, financial services have undergone great changes.At present, the mobile Internet and Internet of Things on the basis of the development of the medical and health industry with the Internet technology also produced a deep integration, is constantly changing the way people seek medical treatment.Internet technology is constantly changing the traditional medical insurance service model,risk control,to promote the formation of new health services chain and revenue channels.The rapid development of mobile health services will have a significant impact on the health care industry as a whole, constantly changing and optimizing the relationship between health care providers and suppliers.Ping An Health Insurance Company began to explore the health insurance 020 model innovation in 2015. The innovation of this model lies in the complete solution to the problem of out of control claims, through the reduction of premiums, to provide differentiated services to attract Internet medical users,and ultimately the real scale of health insurance market breakthrough.This paper explores the new mode of innovation and development of Internet medical insurance in China from the perspective of innovation and development of Internet medical insurance.This paper introduces the production and operation mode of"Ping an Good doctor" on the case of "Ping an Good doctor", and analyzes the innovation of "Ping an Good doctor" in service mode, operation mode, profit model and the shortcomings.Then, it analyzes the status quo, opportunities and problems of the development of Internet medical insurance in China, draws lessons from the development of Internet medical insurance in the United States and Japan, and compares and analyzes the development characteristics of the two countries. On the basis of the above analysis,from the perfect laws and regulations, Business model, the construction of information integration platform, innovation management, the development of new products, the development of management-based medical insurance on the development of China's Internet health insurance put forward specific countermeasures and suggestions.