What is the significance of health management in medical insurance?

Health management was first put forward in the United States in the late 1950s. The core content of health management is that medical insurance institutions can effectively control the occurrence or development of diseases through systematic health management of their medical insurance customers (including patients with diseases or high-risk groups), significantly reduce the probability of accidents and actual medical expenses, thus reducing the loss of medical insurance claims. The original concept of health management in the United States also includes that medical insurance institutions sign the most economical and applicable prescription agreement with medical institutions to ensure that medical insurance customers enjoy lower medical expenses, thus reducing the compensation burden of medical insurance companies.

With the continuous enrichment and development of practical business content, health management has gradually developed into a set of professional system schemes and operations, and professional health management companies have begun to appear, which are different from traditional medical institutions such as hospitals and provide systematic and professional health management services as third-party service institutions and medical insurance institutions or directly facing personal needs.

In a relatively narrow sense, health management refers to the establishment of exclusive health records according to the results of physical examination, the evaluation of health status, and the proposal of personalized health management (prescription). Accordingly, professionals provide one-on-one consultation and follow-up consultation services, so that customers can obtain comprehensive health maintenance and security services from the perspectives of society, psychology, environment, nutrition and sports.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.