Case Studies On Commercial Insurance Companies Undertaking Serious Illness Insurance

In 2013,the six ministries and committees issued the guidance on the development of the insurance work for the urban and rural residents(hereinafter referred to as "guidance")to determine the basic principles,content,financing mechanism and mode of insurance for major diseases of urban and rural residents(hereinafter referred to as major sickness insurance).Among them,The method of undertaking clearly shows the form that the government buys from insurance company.After the promulgation of "guidance",all regions of the country combine their local actual situation to make the implementation plan of the big sickness insurance.After several years of development,the major disease insurance from the pilot to the national promotion,insurance companies to undertake the major disease insurance to achieve a certain effect at the same time,the operating problems are gradually exposed.Taking T Insurance company as an example,this paper analyzes the problems existing in the insurance project of commercial insurance company,and puts forward some countermeasures and suggestions.The research content is divided into five parts.The first part is the introduction,expounds the background and significance of the topic selection,and briefly describes the research content and research methods.The second part is an overview of the major disease insurance,including the history of China's major disease insurance,the policy background and theoretical basis of major disease insurance.The third part introduces the basic situation of T insurance company,and briefly describes the status of its participation in the insurance.In the forth part,the paper analyzes the advantage of T Insurance company to run the big sickness insurance,and puts forward the problems faced by T insurance Company at present.Part V of the insurance companies to undertake major disease insurance problems,put forward targeted countermeasures and recommendations.