Exploration On The Construction Of "Insurance+Healthcare And Pension Industries" Business Ecosystem Of Insurance Company

Digital economy is a new driving force and engine for China’s economic development.Under this development trend,General Secretary Xi Jinping proposed the development strategy of Healthy China.Only by taking the lead in the supply-side structural reform,accelerating the integration of insurance and medical care industries and forming more new growth points,can the insurance industry get rid of the dilemma of homogenization and form its own professional characteristics in differentiation.In this environment,the insurance industry develop its diversification,the function of economic compensation,social stabilizer,relying on large ecological,use of big data,deep big health and integrate resources to extend the healthy,big endowment insurance industry chain,promoting combination of pension and health care community service life and health industry,establish medical wisdom Shared development platform,the depth of the medical party and patient party,implementation,raising industry integration and great health,great endowment industry cluster development,build a closed ecosystem big health and pension.This measure is of great significance to alleviating the aging population,promoting employment,promoting coordinated economic development among regions,and providing effective countermeasures for improving people’s livelihood and social construction.Insurance business ecosystem in China is still a relatively new field,medical treatment,insurance,pension fusion modes of the three major industries are a lot of kinds,each mode has its adapt to the soil and growth condition,our country present stage whether have these conditions,the influence to our country insurance company for insurance business ecosystem choice,affect the "insurance + d a" construction of ecological system.The innovation point of this thesis: in the topic selection,this thesis takes commercial ecology as the starting point to discuss the construction of insurance commercial ecosystem,which is a relatively new perspective topic.In previous studies,although the integration of insurance and medical and nursing industries has been involved,it has not involved the level of commercial ecosystem.Therefore,this topic has high research value.Furthermore,this thesis innovatively applies the concept of service-leading logic and commercial ecosystem platform to the life insurance field,and builds an insurance commercial ecosystem model.Based on the pain points that need to be solved and the hot spots of medical insurance development in the current construction of "integrating medical care" in China,this thesis analyzes the construction mode and selection preference of insurance companies in the insurance commercial ecosystem in the form of empirical studies and cases,and provides feasible suggestions for the construction of the insurance commercial ecosystem and risk prevention.The results show that the higher the premium income,the higher the density of personal insurance and the higher the proportion of personal premium income of insurance companies in the areas where the pension community projects are located,the more likely the insurance companies are to adopt the asset-heavy model to build the insurance business ecosystem.Moreover,the construction of commercial ecosystem platform has significant spillover effect on the competitive environment of insurance companies,and the construction of insurance commercial ecosystem provides the possibility for the deep integration of "insurance + industry".