Study On Commercial Insurance Company In Hebei Province Involved In Rural Serious Illness Insurance

With the rapid economic development of Hebei Province and the government's investment in agricultural economy,the average economic income of farmers has gradually increased,and the local government has also increased its investment in rural medical insurance system.After several years of improvement and development,the rural medical insurance system in Hebei Province has achieved good results.However,with the increase of life rhythm and life pressure,the incidence of major diseases is getting higher and higher,and major diseases have become an important factor affecting the healthy life of farmers.The development of rural serious illness medical insurance system has brought certain economic burden to the Hebei provincial government.In order to enhance the vitality of rural serious illness medical insurance system,the Hebei provincial government began to try to cooperate with commercial insurance companies.This combination can give full play to the government's supervision and management ability and the market role of commercial insurance companies,and is conducive to the healthy and sustainable development of rural serious illness medical insurance.Exhibition.Therefore,the study of commercial insurance companies participating in rural serious disease insurance is becoming more and more popular.Based on this background,this paper studies the participation of Hebei Commercial Insurance Company in rural serious illness insurance.This paper first introduces the basic concepts and theories of Hebei Commercial Insurance Company and Rural Serious Disease Medical Insurance,then expounds the current situation of Hebei Commercial Insurance Company participating in Rural Serious Disease Insurance,and takes Hebei Jizhou Commercial Insurance Company participating in Serious Disease Insurance as an example to analyze some main problems in the process of running Rural Serious Disease Insurance by Commercial Insurance Company.The SWOT analysis of commercial insurance companies participating in rural serious illness insurance is carried out in detail and systematically.Finally,the analysis is made from three aspects:government departments,serious illness medical insurance system and risk management,and concrete and feasible suggestions are put forward.The results show that:(1)The participation of commercial insurance in rural serious illness insurance in Hebei Province is over-regulated by the government.The imperfection of the two-way regulation mechanism of "low cost,low profit and risk sharing"results in the restraint of commercial insurance participating in the process of rural serious illness insurance to a certain extent.(2)The execution system of commercial insurance in Hebei province is not perfect in participating in serious diseases in rural areas.There is not a mature operational system in medical risk management and control,and there is no risk management and control mechanism adapted to serious diseases Medical insurance.For this reason,this paper puts forward the corresponding countermeasures.Firstly,the suggestions of government regulation and regulation should be put forward.The government and commercial insurance institutions should be reasonably positioned,and the tax preferential system should be improved.Second,suggestions for the improvement of the rural serious illness insurance system,including self-paid medical expenses as the scope of responsibility,and setting up the starting line,administrative supervision should also be in place in time.Third,medical risk management and control recommendations,including the establishment of joint office mechanism and pre-disease management mechanism,the implementation of disease diagnosis and treatment monitoring and strengthening the post-disease compensation verification.With the increase of the incidence of serious illness,rural medical insurance for serious illness has been paid more and more attention.It is hoped that this study will provide some ideas for promoting the participation of Hebei Commercial Insurance Company in the development of rural serious illness insurance.