B Life Insurance Company Participated In The Design Of A Sustainable Plan For Serious Illness Medical Insurance In A Certain Place

China has carried out a pilot catastrophic health insurance for many years,Taicang,Zhanjiang model has achieved some success and start promoting.In 2013 the government issued a "serious illness insurance business insurance company Interim Measures for urban and rural residents,the insurance company to carry out serious illness insurance market entry and exit conditions and business management has been specified,but the country how to conduct a serious illness and health insurance business not made uniform,strict rules,which give illness insurance business leaving a space around the execution,but also because it makes the local government there has been a lot of problems when and insurance companies.This article is written B insurance companies illness insurance business managers appeared huge loss,some of the problems of the environment on this being indeed,but in the same environment,Taicang and Zhanjiang doing relatively better,and therefore Company B their risk management and control is also a big problem,this paper Taicang comparison with B Company,Zhanjiang mode,trying to help them find the problem and solve the problem.This paper is divided into the following three parts:The first part of the problem description,mainly on the status of a city B catastrophic health insurance companies to participate in the proposed B Company Managers illness insurance business which exposed the huge loss,pointing out that bring real value to solve the problem.The second part is the revelation theory,catastrophic health insurance policies and existing models of B Company.The first is the proposed commercial insurance companies to participate in Medicare ’s catastrophic theory,mainly based on theoretical research,Company B to point out a few problems when handling illness insurance business can not be ignored and brought enlightenment.Then the introduction and interpretation of relevant national policies,primarily the New Deal understanding illness insurance policy for Company B to sort out the policy framework.For a discussion of existing models of experience,mainly in Taicang pattern interpretation and Zhanjiang mode through its main features,there are insufficient analysis,summed up the Enlightenment to B Company.The third part presents B catastrophic health insurance company handling solutions to business problems.From the business management,product improvements,improved mechanisms discussed three areas in which the company’s risk management and control measures B is particularly important in business.This paper studies the characteristics and innovation lies in the following aspects:First,the practice of this article to B catastrophic health insurance companies to participate in a place-based,company B consecutive operating losses in recent years as the starting point to analyze the possible problems for its recommendations.Second,this paper analyzes the Taicang real data model,the successful experience of Zhanjiang mode,and these experiences as inspiration Company B Managers illness insurance business in a certain place.