What is a health care entrusted management product?

The so-called entrusted management business of health insurance refers to that the insurance business institutions accept the entrustment of corporate clients such as government departments, enterprises and institutions, social organizations, and provide them with management services such as health insurance scheme design and consultation, health management, medical service investigation, medical expenses audit and payment, disease audit and payment, disability income loss audit and payment, and nursing audit and payment. The entrusted management of health insurance has its unique institutional value. From the client's point of view, we can formulate personalized medical insurance plan according to our own situation, improve employee welfare plan and reduce the operating cost of the client. From the perspective of insurance institutions, we can strengthen cooperation with enterprises and institutions by carrying out entrusted management of health insurance, and form complementarity and interaction with health insurance. However, the health insurance entrusted management business market also faces some potential risks, such as entrusting financial management in the name of health insurance and vicious competition through management fee price war; The function of health management is insufficient, the entrusted management funds emphasize the investment income too much, and the risk control mechanism is not perfect. In order to further standardize the entrusted management business of health insurance, clarify the business development conditions, return to the business origin, fill in the shortcomings of supervision, prevent potential risks, better meet the health security needs of enterprises and institutions, and serve the construction of the national medical security system. In this regard, insurance institutions should deepen their understanding, comply with laws and regulations, clean up the root causes, obey supervision, effectively standardize the entrusted management of health insurance, and fully protect the legitimate rights and interests of all parties.