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建立健全完善的内部体系,是保险公司控制风险的有效保证。作为专业的健康保险公司,所面临的市场风险和管理风险比其他寿险公司更大,因此加强内部控制体系的建设就显得更加迫切和重要。 2005年,中国人民健康保险股份有限公司的开业,标志着专业的健康保险公司作为经营主体进入保险市场。商业健康保险包括医疗保险、疾病保险、护理保险和失能收入损失保险,其与人寿保险、财产保险在精算基础、销售模式、运营管理等方面既相同,又有区别,其最大的特点就是除了保
Establishing and perfecting the internal system is an effective guarantee for the insurance companies to control the risks. As a professional health insurance company, the market risks and management risks are greater than those of other life insurance companies. Therefore, it is more urgent and important to strengthen the construction of the internal control system. In 2005, the opening of the People’s Insurance Company of China marked the entry of a professional health insurance company into the insurance market as a management entity. Commercial health insurance includes medical insurance, sickness insurance, nursing insurance and loss of income loss insurance, which is the same as and different from life insurance and property insurance in actuarial basis, sales model and operation management, Paul