Health insurance VS health control " bitter love " Treat the right fruit in ten years

Health insurance VS health control " bitter love " Treat the right fruit in ten years
The insurance company has already to manage the health insurance had a history of more than 10 years, there is a company which specializes in the operation of the health insurance too. Meanwhile, the health control, this concept, is more and more " fashionable " too . One strange phenomenon, among the 10 year, health insurance and but health control in " bitter to long for " Among them, it is sometimes cold and sometimes hot to concern, unable all the time like market of insurance of developed country, reach the harmonious happiness that wins together " The marriage " Concern.
No matter introduce external experience, or try to find out by oneself, the present current situation is, the idea of the health control seems to always float in the sky, it is very difficult to really fall and bloom, bring benefit to the insurance company. Until the intersection of health and the intersection of management and committee and majestic and full of trees and rich by Company, government office, insurance agent of the League of Nations, recently ' Beijing) Science Technologies Co., Ltd. sponsored the health together " Construct three win modes of health insurance " At the seminar, insiders generally think, must canvass the feasible operation mode, channel intension of health insurance into really idea of health control, the relations of both sides from " love " Turn into " marriage " ,And reflect benefit of the health control in the health insurance.
Support parents to point out to the health insurance Pang XueFeng, division chief of in the intersection of The China Insurance Regulatory Commission and personal insurance regulation department, the management question of the health insurance not only in China, but also a great difficult problem in the world. Because the health insurance is different from ordinary life insurance, involve a plurality of main bodies and many kinds of relations such as insurance company, medical organization, enterprise unit, and each subject interests orientation, operations objective are not the same. Insurance company but health insurance manage one link in the middle, have effective restriction mechanism to other links, it causes the suitable difficulty that this manages the health insurance for insurance company.
Pang XueFeng summarizes and says during the speech: "So, the health insurance must be taken in the specialized road, reflect one's own unique value in the relation with each subject. Only in this way, the insurance company could make the leading position in the cooperation with each side. Otherwise, the health insurance will lose one's own vitality. Secondly, the management of the health insurance should strengthen the risk control. The specialization of the health insurance manage the inevitable requirement with the risk control in health control, also an important link on the industry chain of the health insurance. "
The data reveal, the basic medical treatment of our country ensures the coverage to further expand in recent years, effect an insurance 2009 number of people exceed 1 billion, urban the intersection of worker and 220 million people, the intersection of urban residents and " first always light " already 180 million persons and rural residents participated in and " shut newly and agriculturally " Nearly 800 million people. The Vice President of Co., Ltd. of the insurance agent of the League of Nations flashes the will is strong introduces, issue of " suggetion on deepening the system reform of the medical and health " and " recent key implementing scheme of system reform of the medical and health ", two files, have proposed new localization and requirement as to the commercial health insurance, has offered the enormous space for development of the commercial health insurance. To insurance company, manage the health insurance especially supplement the medical insurance, we can say the opportunity and challenge coexists.
"The basic medical guarantee of our country has been insisting on covering, protecting the basic, sustainable principle all the time, it is insufficient that the guarantee of a certain degree comparatively exists, thus the commercial health insurance has brought the broad development space. The insurance company needs to give full play to the compensation of supplementing the medical insurance on this basis, in order to promote the health insurance to develop fast. However, seen from the present, supplement the medical insurance and store and burn the question with single product liability, with high loss ratio, with high business risk. Introduce the mechanism of management of the health, construct the multi-level medical security system, could be from solving the insurance company to manage and supplement the predicament of the medical insurance at all. " Shan ZhiQiang says.
In recent years, international the intersection of health insurance and development trend of trade reveal the intersection of risk and already from simple financial risk control to bind with risk control of the health changing control of health insurance, the health control is managed in the thing in advance afterwards too management changes afterwards, the health insurance has already been transformed into cooperator's co management from the mode which the insurance company managed independently, the health insurance is being managed to the mode by method management, passively management, initiative management are being changed. American Hopkin medical association of Sri Lankan statistics show, the health control can make the direct medical expenses of the insurance company of the health reduce by 30%.

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