专业健康保险公司组织架构探析

当前,我国专业健康险公司的组织架构多采用直线职能制模式,其缺点是:可能会降低整个企业的目标,难以明确对利润的考核,对市场的反应和把握程度不高。专业健康险公司实行矩阵制组织架构的优势:渠道内集中了产品开发、核保、销售和市场企划等职能,可以真正实现对利润的考核。

The specialized health insurance company mostly adopted a linear function model in organizational structure whose defects were ： the possibility of lowering the target of the whole company, difficulty in making a profit-oriented performance appraisal, and low reaction to make changes and insufficient market clout. The matrix organization structure, in contrast, had conspicuous advantage, each distribution channel had its own functions of product development, underwriting, sales and market promotion, which enabled the application of a profit center performance appraisal model.