Supplementary Medical Insurance Scheme For A Group Company

The research topic of this paper is a design and necessity demonstration of supplementary medical insurance scheme for A group company.The objective of the study is to explore a complementary medical insurance scheme suitable for the development of A group company.Firstly,this paper mixed A group company's assets,business conditions,age and gender distribution of employees,so that we can analyze the risks faced by A group company.And then this paper starts to design and formulate the supplementary medical insurance scheme for A group company.The scheme design is mainly carried out from the selection of insurance type,the selection of additional clauses,the guarantee object,the guarantee amount arrangement,the maximum compensation limit and the setting of deductible and so on.The insurance type selection and insurance amount arrangement are the key points,mainly based on the risks a group company faces and risk response strategy.There are in a variety of risk response methods such as risk-taking,risk aversion,risk transfer,risk conversion,risk hedging,risk compensation,risk control.Different choices make different security level,and eventually affect the insurance type and related rates of the plan.We hope through the scheme design makes A group company to obtain scientific,reasonable and feasible risk management methods.The same size or nature of the enterprise also can learn from a group company,make the enterprise feedback employees better and attract talents,with more stable and better service to face customers.At the same time we also hope to promote the design standard of complementary medical insurance policy,and we hope to provide scientific reference for market supervision.At last,we believe the insurance industry will play a greater important role at economic society.