Research On The Risk Management Of Group Health Insurance In China

China's insurance industry is in a period of great development,especially the commercial health insurance and group insurance have entered a fast lane with the support of policy.“The new No.10 national notice “,which is promulgated in 2014,has brought unprecedented policy favorable for the development of China's commercial health insurance.“The notice on promoting the healthy development of group insurance”,which is issued by China Insurance Regulatory Commission in 2015,is considered to promote the specialization of group insurance.The group's health insurance business will take advantage during this rapid development.Because of the characteristics of this business in china,such as short history,lack of experience,and high operating costs,The phenomenons of "think highly of personal insurance,look down on group insurance" occur in most insurance companies,even some insurance companies revocate the department of group insurance.The main reason of the high cost for group insurance business is that,which the group health insurance business is still in high costs.The effective of risk management is the key to solve the hight costs problem.The group health insurance is the combination of group insurance and health insurance,and has the characteristics of both.So,the risk factors are complex,interrelated and mutually restricted.The operators of this business and often ignored the characteristics of the group,and the risk management of this business is uneffective,even eunreasonable.In the process of identifying risk,the operators should determine the risk of group attributes,then carry out targeted risk management.In this paper,the price adjustment mechanism of the group health insurance is established,which is based on the actual work experience.As the result,the adverse effects of market competition is avoided and the operating costs is reduced.Learn from the experience of managed care in the United States,we should improve the information system construction,and introduce customer service into health management concept.Strengthen the pre risk assessment,and carrying out health plans to control the rise in medical costs,in order to further promote the development of group health insurance in China.