Research on the development model of commercial health insurance based on big data

Abstract

Despite the rapid development of commercial health insurance in China, compared with developed countries, there are still gaps in product types, product design, risk control, preferential tax policies, business models and consumer value-added services. In recent years, everything around us has been "digitized", and emerging concepts and technologies such as smart medical care, Internet of Things health care, and mobile medical care have attracted the general attention of the medical and health industry and the information and communication industry, and are being widely used. With the rapid development of big data, it brings opportunities for the development of commercial health insurance. It not only changes the market-oriented product design, but also pays more attention to customer needs. It also provides data support for the accurate pricing of commercial health insurance, and forms health intervention for consumers in the whole process before and after the event, which makes it possible to promote the sound and rapid development of commercial health insurance. Based on this background, this paper intends to study the development model of commercial health insurance products under the background of big data.