Dissertation Submitted to Hebei GEO University
for
The Master Degree of
Business Administration
Research on risk management of critical illness insurance based
on A Life Insurance Company
by
Wang Yujing
Supervisor: Prof. Cao Hui
December 2021

摘
要
近年来，随着环境的恶化、社会压力的加重，重大疾病的发病率不断攀升，重疾
年轻化趋势日益明显，民众对健康问题的关注度逐步提升，重大疾病保险越来越成为
分散风险的重要方式。自 1995年我国引进并开发出第一款重大疾病保险产品以来，
历经二十多年的发展，当前重疾险已成为国内寿险市场保障型险种的主要组成部分。
现今我国保险市场拥有近百家寿险公司，经营重大疾病保险产品达上百种，重疾险保
费收入在各寿险公司的业务占比呈逐年上升趋势。然而，重疾险市场的风险也日渐凸
显，在经济格局不断变化的大环境下，重疾险经营面临的不确定因素日益增多，尤其
是在《重大疾病保险的疾病定义使用规范（2020年修订版）》落地的新形势下，如何
提升重疾险风险管理的系统性和有效性变得尤为重要。
本文采用了文献分析法、风险列举法及层次分析法，在研究有关风险管理及重大
疾病保险的理论基础上，以 A寿险公司为例，从销售风险、市场风险、信用风险、法
律风险、操作风险、声誉风险六个方面对 A寿险公司重大疾病保险面临的风险进行了
识别分析。并据此构建风险管理指标评价体系，在引入专家意见的基础上运用层次分
析法对六类风险进行风险评估，计算得出六类风险对总风险的影响程度排序，依据排
序结果找出重点防范的重大风险，最终结合分析结果从销售风险、操作风险、法律风
险、信用风险四方面七项重点风险防范角度提出可行的重大疾病保险风险管理建议，
对提高 A寿险公司重大疾病保险风险管理水平，推进重疾险良性发展有一定的理论和
现实意义。
关键字：寿险公司；风险管理；重大疾病保险；层次分析法
I

ABSTRACT
In recent years, as the environment has deteriorated and social pressure has increased,
the incidence of critical illness has continued to rise, and the trend of younger age of serious
diseases has become increasingly obvious. The public's attention to health problems has
gradually increased, and critical illness insurance has increasingly become an important
way to diversify risks. Since China introduced and developed the first critical illness
insurance product in 1995, after more than 20 years of development, critical illness
insurance has become the main component of the domestic life insurance market.
Nowadays, there are nearly one hundred life insurance companies in China’s insurance
market, operating critical illness insurance up to hundreds of types. The proportion of
critical illness insurance premium income in the business of life insurance companies is
increasing year by year. However, risks in the critical illness insurance market have become
increasingly prominent. Under the ever-changing economic environment, critical illness
insurance operations are facing increasing uncertainties, especially under the new situation
of the introduction of "Regulations for the Use of Illness Definitions for Critical Illness
Insurance (Revised Edition 2020), how to improve the systematicness and effectiveness of
critical illness risk management has become particularly important.
This article adopts the literature analysis method, the risk enumeration method and the
analytic hierarchy process, based on the research of critical illness insurance and risk
management theories, taking A Life Insurance Company as an example, it identifies and
analyzes the critical illness insurance risks of A life insurance company from six aspects:
sales risk, market risk, credit risk, legal risk, operational risk and reputation risk. And based
on this, a risk assessment index evaluation system is constructed, on the basis of
introducing experts’ opinions, the analytic hierarchy process is used to carry out risk
assessment for the six types of risks, and the ranking of the influence degree of the six types
of risks on the total risk has been calculated. According to the ranking results, the major
risks to be prevented have been found out, and finally this paper combines the analysis
results to put forward feasible critical illness insurance risk management suggestions from
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