Research On Mode Of Insurance Cooperate With Medical Under The Background Of Big Health

In recent years,the medical reform has been the focus of the society,which have a close relation to health insurance of company, and also have positive effect to the insurance company itself and reform of our country .Sunshine life insurance company was approved to establish sunshine union hospital, marked our country's insurance company investment in hospital, participate in the medical reform has entered a new stage. Insurance companies investing in hospital has important significance for the governments,insurance companies and policy holder. Insurance companies investing in the hospital,is a response to the call for the state encourage private capital to participate in the health care reform, is the use of insurance funds a beneficial attempt and exploration, is a reflection of bear the social responsibility. Insurance companies have a lot of,long-term funds,insurance companies invest in hospital management,is conducive to the reform of public hospitals in China by provide financial support, reducing the government's fiscal pressure, helping to build the coordinated development of the basic medical insurance and commercial health insurance multi-level medical security system,meeting people's demand of social health service.Insurance companies invest in medical field has far-reaching influence for the whole insurance industry, along with the depth of the insurance company involved in operation of the hospital, the insurance company in cooperation with medical institutions can Occupy a larger initiative,and able to obtain a lot of health insurance data, so it can makes up for the disadvantages of current health insurance product research and insurance claims, thus the insurance company has the motivation and ability to develop the health insurance,to meet the multi-leve demand of social insurance. The enrichment of health insurance products must be able to change the current situation of the life insurance of share out bonus insurance in dominant, and at the same time it can increase the share of China's insurance product, it is advantageous to our country insurance return to the security normal track. In addition, the insurance capital investing in medical industry , is conducive to the deepening health insurance industry chain, fully creat the health insurance requirements. Insurance companies invest in hospitals can lay a solid foundation for the development of health care industry.Insurance company has a variety of modes of cooperate with medical institutions,each mode has its own applicable conditions, these conditions in our country , affect the insurance company for the selection of these patterns, affect the development of commercial health insurance in our country. To study the feasibility of all kinds of health care cooperative mode in our country, put forward specific measures in strengthening cooperation between insurance companies and medical institutions, which can provide insurance companies with the choice of decision-making reference in cooperation mode.This paper is divided into five parts, the first part introduce the relevant case, the second part is the case of sun fusion hospital analysis,the third part is the insurance and medical cooperation model and its existing problems,the fourth part is the discussion of foreign insurance and medical cooperation's successful experience, the fifth part is mainly to introduce insurance and medical cooperation model healthy development's countermeasures.