In an uncertain market environment, corporate benefit budgets are increasingly scrutinized. High-end medical benefits, often costing tens of thousands per person, are a "sweet burden" for many HR professionals: they are crucial for attracting and retaining core talent, but their high cost and complex administration put immense pressure on HR when facing premium increase notices.

PART.01  Project Overview

Client Testimonial

"CDP's high-end commercial insurance solution not only maintained our original service experience but also significantly reduced costs, resolving the communication and budgetary pressures caused by our high claim ratio."

------ HR Head of a Foreign-funded Energy Trading Company

Project Success/Core Value

Successfully took over the comprehensive high-end medical insurance, covering the commercial insurance benefits for all 200-300 employees at the Shanghai company.

Accepted a claim ratio far exceeding the industry average, significantly reducing the risk of plan premium increases or coverage reductions due to a high claim ratio.

Continued using MSH as the service provider, ensuring zero change in employee healthcare experience and substantially lowering internal communication costs.

Provided multiple value-added services (e.g., TCM consultation, medication delivery), enhancing employee satisfaction and HR management efficiency.

Offered high-end medical B2C solutions (for leavers, retirees, and family members).

PART.02  Client/Cooperation Background

The client is a foreign-funded multinational energy trading company with a branch in China, employing approximately 200-300 people. The workforce is highly international (with a significant number of expatriate employees), leading to notable cultural differences. The parent company places great importance on and invests heavily in employee benefits.

Core Objectives

Maintain the original high-end medical service provider (MSH), ensuring employee healthcare habits remain unaffected.

Control insurance costs, avoiding premium increases due to a high claim ratio.

Enhance the employee benefits experience, boosting satisfaction and sense of belonging.

PART.03  Project Challenges

In the current high-end medical market, corporate HR commonly faces the dilemma of balancing "employee experience" and "cost control": once the claim ratio increases, subsequent year premiums face upward pressure, while changing providers triggers employee dissatisfaction and additional communication costs.

The client, a multinational energy trading company, is a typical example of this predicament. Due to a high claim ratio in their original plan, they repeatedly received requests for premium increases, coupled with significant internal cross-cultural communication challenges. Specific issues included:

01. High claim ratio leading to premium increase pressure:
Under traditional insurance models, the claim ratio is a direct indicator of premium pricing. Once the annual claim ratio exceeds set thresholds, the original provider proposes premium increases due to the high claims, making the benefits budget uncontrollable.

02. Cross-cultural communication difficulties:
Any plan downgrade or provider change, for whatever reason, entails immense internal communication pressure and employee satisfaction risks. Explaining plan adjustments or provider changes to expatriate employees, in particular, creates significant communication cost pressure for HR.

03. High requirement for service continuity:
Employees have established ingrained healthcare habits and trust. Changing these implies high transition costs and potential risks. Employee willingness to change providers is low, necessitating the preservation of the original healthcare experience.

04. Balancing budget and control:
While the company values employee benefits and provides coverage for all, it still needs to control costs while ensuring experience, achieving a balance between the "rigidity" of benefits and the "flexibility" of cost.

PART.04  Innovative Highlights of CDP's Solution

Addressing the common industry challenges faced by this client, CDP did not merely provide a "cheaper quote." Instead, leveraging unique resource integration and risk management capabilities, we delivered a systematic solution:

[Zero Service Change + No Cost Increase + Value-Added Services]

01 Service Continuity, "Zero-Perception" Transition:
Fully respected the client's choice to continue using MSH as the high-end medical service provider. This meant employees' payment cards, booking processes, and familiar hospital networks remained entirely unchanged, achieving a "zero-interruption," seamless transition that guaranteed benefit stability and employee satisfaction.

02 Economies of Scale Enable Cost Advantage:
CDP's scale provides more competitive pricing, offering a more cost-advantageous plan.

03 Risk Sharing, Redefining Claim Ratio Tolerance:
Leveraging its own claims management and operational team, CDP's solution can withstand a higher claim ratio, sharing risk with the enterprise and reducing client anxiety about future premium increases.

04 Value-Added Services, Empowering HR to Enhance Employee Care:
Beyond the core insurance plan, CDP provided multiple thoughtful value-added services, such as regular TCM consultation experiences and health medication delivery services. These not only enhanced employees' overall perception of the benefits but also provided HR with rich tools for employee care, making the benefits "visible and tangible."

PART.05  Project Implementation Results

1 Successful Cost Control:
Achieved optimized premium costs while maintaining the original service and plan coverage.

2 Enhanced Employee Satisfaction:
Seamless continuity of healthcare experience; new value-added services received positive employee feedback.

3 Improved HR Management Efficiency:
No need for internal explanations regarding plan changes; communication costs significantly reduced.

4 Claim Ratio Tolerance Far Exceeds Industry Peers:
Risk of premium increases due to high claim ratio greatly diminished.

CDP Group High-End Commercial Insurance Solution - Industry Comparison Advantages

*Disclaimer: This rating system is based on industry benchmarks and sample survey results (1-5 stars). Assessment results may reasonably vary depending on service scenarios and individual needs.*

PART.06  Project Summary & Future Outlook

High-end medical benefits should not be an annual headache for HR, but a solid backbone for corporate talent strategy.

In this project, CDP helped the client successfully achieve cost control and value enhancement for their high-end medical benefits without altering employees' top-tier healthcare experience. Moving forward, CDP will continue to leverage its professional integration capabilities and innovative service models to provide enterprises with more comprehensive, cost-effective, and superior-experience employee benefit solutions, supporting the effective implementation of corporate talent strategies.