Research On The Development Of Commercial Health Insurance Products Under The Background Of Insurance Technology

The 20 th National Congress of the Communist Party of China pointed out that "promoting the construction of a healthy China and placing the protection of people’s health at a strategic priority for development." As the "main force" for ensuring health,commercial health insurance is lacking and misplaced,making it difficult to promote the improvement of residents’ health standards and meet their multi-level and diversified health demands.With the development of insurance technology,it has become a consensus to achieve a deep integration of insurance technology and commercial health insurance,and improve the quality and efficiency of the supply of commercial health insurance products.In view of this,this article takes insurance technology as the background,starting from the current development situation of commercial health insurance products,summarizes the existing problems and puts forward relevant suggestions,aiming at improving the quality and efficiency of the development of commercial health insurance products.The article adopts case analysis and inductive summary method.Firstly,the development status of insurance technology and commercial health insurance products is described.Secondly,taking Ping An Life Insurance,Tai Bao Life Insurance,and Zhong’an Insurance as case studies,this paper analyzes and summarizes the main contents,strategies,achievements,and shortcomings of using insurance technology to develop commercial health insurance products.Finally,based on the above analysis,summarize the experience and existing problems in the development of commercial health insurance products in the context of insurance technology,and propose relevant suggestions.The research found that in the context of insurance technology,the development of commercial health insurance products mainly includes issues such as insufficient integration of products and services,insufficient development of precise pricing of products,imbalance in product structure,decreased readability of product terms,and weak underlying technical foundation.In response to the above issues,suggestions for promoting high-quality development of commercial health insurance products in the context of insurance technology are proposed from three levels: insurance companies,governments,and insurance industry associations.This article not only helps insurance companies understand and solve the pain points and difficulties of their own product development in the new stage,thereby improving the supply quality of commercial health insurance,further enriching and improving the supply of commercial health insurance products,and meeting consumer demand.It also helps commercial health insurance to truly participate in the construction of a healthy China,improve residents’ health standards and health management capabilities,and increase residents’ happiness.