Research On The Operation And Optimization Of Health Care Model Of Commercial Insurance Institution

With the development of China’s social economy,the degree of aging has gradually deepened,the proportion of the elderly population has gradually increased,the family structure has become smaller,the elderly support ratio has increased,and great changes have taken place in the concept and mode of providing for the aged.In addition,the traditional social pension resources are in short supply,and the traditional family pension model can no longer support and meet the pension needs of the elderly,Especially the demand for high-quality pension.And then develop the pension system of family pension,community pension and institutional pension.The traditional 90-7-3 pension model has also undergone great changes,and the demand proportion of community pension and institutional pension has increased significantly.As an important pillar of the pension system,institutional pension has also been widely studied by scholars.In recent years,the elderly have an increasing demand for health management and medical services,and the supply of traditional Chinese medicine and health services is far less than the demand.In order to meet the health and pension needs of the elderly,the state began to promote the exploration of a new pension model of "combination of health and care",and issued a series of rules,regulations and standards of "combination of health and care" since 2013,Encourage commercial insurance institutions to give full play to their resource integration advantages and strong capital advantages to explore the health care model.At present,preliminary results have been seen,but the problem of the mismatch between supply and demand related to the health care of the elderly is still very prominent.Firstly,this paper combs and compares the pension models at home and abroad,the relevant research of domestic "healthy care model",analyzes the policy status and implementation status of China’s "healthy care model",as well as the difficulties and challenges faced.Secondly,through the analysis of Wutong town’s typical case of Health care mode in commercial insurance institutions,the paper introduces the specific provision of pension services and medical services,and compares them with the same type of pension institutions.Analysis of Wutong town positioning advantages and disadvantages.Furthermore,based on the objective of improving service satisfaction,we investigated the Wutong town’s short-term occupancy customers,and conducted a descriptive statistical analysis on the results of the survey based on the questionnaire survey and field observation interviews.The Logistic regression model was used to study the choice tendencies of the customer care institutions and the influencing factors of the customers’ satisfaction with the pension institutions under the health care mode.Finally,it puts forward targeted suggestions from the level of national policies and pension institutions.The study found that although China’s commercial health care model is facing great challenges,it is developing rapidly with the strong support of national policies,and is very popular with customers because of its high-quality elderly care services and timely and professional medical services.The degree structure of the insurance institution and the customer’s satisfaction with the business environment will have a significant impact on the overall level of customer satisfaction and customer care.Specifically,based on the case study of Taiping Wutong town,the supplier,it is found that Taiping Wutong family has greater advantages over similar institutions in terms of hardware facilities,the richness of supporting medical resources,occupancy rights and benefits,and cost incentives,and can better meet the health needs of the elderly and be more competitive in the market.However,Taiping has insufficient experience in polishing the service level and technical precipitation of the elderly care community,and the multi head management has also affected the normal operation and supporting business development of Wutong family.According to the empirical research on the demand side elderly care institution customers’ preference for elderly care institutions and their satisfaction with elderly care institutions,it is found that the overall satisfaction of the check-in experience customers with the service evaluation of Wutong family is high,and there are slight differences in the satisfaction evaluation of each service sub project.The educational level,insurance type and family integrity of customers have a significant impact on the choice tendency of customers’ pension institutions,and the environment and service level of commercial pension institutions have a significant impact on the satisfaction evaluation.Based on the above research,this paper suggests that the government should improve the supervision and management system,strengthen the publicity of the health care model of commercial insurance institutions,accelerate the marketization process,improve the medical insurance settlement system,and promote and ensure the sustainable development of the commercial health care model;Based on service evaluation,commercial elderly care institutions should accurately screen customers and continuously improve the level of medical and elderly care services,such as improving the professionalism of service personnel and optimizing the medical insurance reimbursement process,so as to improve the core competitiveness and satisfaction level of commercial elderly care institutions.The research conclusion of this paper can provide reference for commercial insurance institutions on how to integrate health care resources and optimize service level.It also helps to provide reference for the Localization Practice of commercial health care mode operation,and also provides empirical evidence for the continuous improvement of national policies...