The Role of Health Management in Commercial Medical Insurance Cost Control

Abstract

The sharp increase in medical insurance cost has become a common concern of the world. In the process of commercial health insurance, academics, government and related departments usually lamented that medical service institutions don’t cooperate on the implementation of risk control measures. They often complained that the insured's moral hazard problem at the medical process. The control measures of the medical insurance cost mostly focused on internal underwriting and claims assessment, rarely focused on mobilization the initiative of the medical service provider and the recipient controlling the expenses. Combination of the cost control management of commercial medical insurance and health management is an effective method. We can shift funds usage patterns to a certain extent and strengthen preventive health input to the insured, in order to achieve the multi-effective cooperation and win-win.