Health Insurance Product Enhancements

Health insurance accounted for more than 60% of the total imports than is nearly 90%. The reinsurance market, health insurance products to enhance liquidity insurance development time shorter, but strength cannot be ignored. Health insurance company of New York and former leader of the reinsurance market, General Reinsurance Corporation representing the third largest in the world. This limits the size of the insurance industry and also to reduce America’s health insurance industry, the role of systemic risk. For the application of global companies.

Medical Insurance Period Individual Accident

Medical insurance period individual accident insurance accident’s result in essential expense, what but may deduct each time the accident is 5 Yuan. Safe medical expense in not superhigh period has paid the cumulative total considerable amount insurance.

If takes other health insurance individual accident insurance, except its insured’s responsibility as a result of illness, including medical care expense, medical expense; Provides by the public health service should be in private the medicine charge which purchases; Assemble error eye, artificial tooth, artificial body and other expenses.

Speciality Health Insurance

continues maintains at specialized health insurance absolutely the leading position. Meanwhile, the company presents fast health insurance situation individual healthy accomplishment the enhancement not to be able to leave own study respectively in the first quarter, uses each resources reasonably, in society guarantees the supplement service aspect the competitive advantage to further be also consolidated, how service livelihood of the people health does the insurance safeguard coverage expand continually studies lets own body be healthier. Invests health insurance compared to invest other easily to harvest happiness

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Help With The Commercial Health Insurance

Commercial health insurancefor the whole social security system is an inseparable part of, is being played an increasingly important social management functions as a health insurance of their health insurance will gradually in the reform of health, a market development space. this will help business health insurance agencies shall give full scope to advantages.

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Health Insurance Services

The new medical reform plan also affirmed the commercial health insurance community management features, mainly referring to the yes to encourage government-sponsored social health insurance in this area commissioned the commercial health insurance institution to handling Geleiyiliao health insurance services. chronic disease management by health insurance institutions, medical institutions, management and other methods to change the health care system organization and the health care market incentive and constraint operating mode, so that the organic integration into the medical service system.

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Professionalization Of Health Insurance

Chinese Academy of Social Insurance and Economic Development Research Center, Yan Jianjun proposals to enhance the professionalization of health insurance regulation, as will health insurance and property insurance, life insurance tied to a business focused on cultivating, and explore the implementation of a separate regulation to require life insurance companies health insurance insurance business accounted for separately to further regulate the health insurance insurance market competition order to speed up the process of health insurance insurance professional.

Reduce The Mass Health Insurance Costs

health insurancecompanies are required to emphasize specialization, can not copy the business idea of life insurance companies, professional services only through the masses of the people really enjoy the results better, lower cost, the service better and more efficient health care services, health insurance can really have their own development.


Basic health care insurance companies involved in the handling and reduce the handling cost of management, reduced fiscal spending, to reduce additional handling of the government agencies and staffing pressures, improvements in basic health insurance to protect the quality and efficiency, while playing regulatory role, and strengthen the control of improper medical behavior, reducing the mass health insurance costs.

The Importance Of Commercial Health Insurance

Protection of social medical insurance major medical content and hospital outpatient, nursing costs and revenue loss compensation is beyond the capacity of community health projects rely on commercial health insurance supplement.

Commercial health insurance as a social health insurance supplement health insurance as people demand ever-increasing becoming increasingly important. Insurance market segments for different groups of people developed various forms of health insurance products. Currently on the market health insurance products can be broadly divided into: heavy illness insurance products and general disease hospital medical products.

Among them, the heavy illness insurance products to change the traditional treatment first reimbursement payment method, by earlier confirmed that a one-time payment model to a large extent reduce the huge medical costs caused by economic pressures on patients, highlighting the insurance protection function.

Excellent network of product experts, said Paul, general inpatient medical insurance benefits under different ways, into the cost reimbursement payment type and allowance type. Reimbursement type insurance, similar to the social health insurance, insurers need to be provided in the hospital after the original of all medical invoices, and other cases prove, by insurance companies Underwriting calculated in accordance with the proportion of 赔付. If the insured claims first use of social security or public reimbursement of part of the insurance company will deduct that amount in advance, so that no more than the actual award totals for expenditure.

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Health Insurance Is Protection For People

Medical insurance, also known as health insurance, the insurer is liable for the insured because of injury or illness to the insurance of medical expenses the cost of life insurance. In China, the insurance at the initial stage. At present the major risk as the main risk of additional processing, such as personal accident insurance as additional insurance is more common.

Because neither group life insurance, accident insurance, including illness or injuries, or group personal accident insurance, accident insurance covers only accidents, the insurer paid only the death benefit or disability insurance part, without assuming the resulting medical expenses. Therefore, in order to obtain better insurance coverage, medical insurance is very necessary.

The insured to be provided in the claim that accidental injury, and above the county (including county) hospitals and medical certificate, medical fee receipt.

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