Analysis On The Effect Of Health Management On Commercial Health Insurance

With the reform of the national medical security system and the development of the insurance industry,the role of commercial health insurance is becoming more and more important.This year,with the implementation of the National Health China Strategy and people's constant attention to health,commercial health insurance has ushered in rapid development and has become the fastest-growing insurance for all types of insurance.However,the insurance policy is frequent,the demand of residents is increasing,and the scale of commercial health insurance is still small.The root cause is that commercial health insurance still faces some difficulties,such as asymmetric risk,weak data foundation,unreasonable product rate determination and difficult profitability.Analysis of the dilemma of commercial health insurance and exploration of feasible solutions can play a good role in promoting the development of commercial health insurance in China.Health management and health insurance as a derivative demand of people's health,the two have a combination of feasibility,so this article from the perspective of health management to explore ways to solve the commercial health risks.The article demonstrates from the theoretical and empirical aspects that health management can have the following effects on health insurance: improve the insurance company database,increase product competitiveness,reduce asymmetric risk,improve product pricing ability and reduce disease risk,and reduce insurance expenses.Finally,on the basis of the development of national conditions and domestic commercial health insurance,and drawing on the application of foreign health management in commercial health insurance,the insurance company,industry and government proposed the measures and suggestions for the implementation of health management in China's insurance companies.