Research On Development Of Group Health Insurance

From its recovery in 1979,the insurance industry in China has developed continuously and healthily.In 2014,premium income all over the country exceeded 2 trillion yuan.Along with the issuance of relevant national policies,the insurance industry entered its golden age of development.In 2016,premium income in China was totally 3.096101 trillion yuan,with a year-on-year growth of 27.5%and growth rate further improved,replacing Japan as the second in the worldand contributing 26%to the world.Group health insurance,as an important business type of insurance company,has developed rapidly in recent years benefiting from state policies.Up to 2015,the premium reached 48.19647 billion yuan.Due to the particularity of health insurance operation and its high cost,there are three core problems(moral risk,counter selection and transaction cost)which have seriously restrictedthe continuous and healthy development of group health insurance.Though insurance companies earn very little from health insurance and the business operation is in poor state,group health insurance still has good socio-economic value.It is not only an important component of employee benefit,but also one of the important manners for enterprises to attract and retain talents.Meanwhile,the business development of group health insurance can also promote the continuous improvement of social security level.Group health insurance has a relatively late development in China and thus has broad development space in the future.Development factors affecting group health insurance include:economic factor,policy factor and technical factor,wherein health insurance cooperation is one of the important technical factors affecting the development of health insurance.By using game models,focus of the thesis is given to analyzing the game between insurance firms and medical institutions,to illustrate the feasibility of cooperation between medical institutions and insurance companies,and to propose developmental paths for the development of group health insurance from perspectives of regulation,industrial development and insurance company operations.