本文是留学生企业管理方向assignment代写范文，题目是“Business Strategy of Anthem Inc（Anthem公司的经营战略）”，Anthem 公司是国内领先的健康保险公司。它成立于1940年初。直到2014年，该公司被称为WellPoint公司，它一直是领先的健康福利公司。该公司通过收购发展壮大，总部设在印第安纳波利斯。它是BCBSA中最大的盈利性管理医疗保健公司，也是美国市场上第二大健康保险支付公司。
Abstract 摘要
Anthem, Inc. is a leading health insurance company in the country. It was founded in early 1940. Until 2014 the company was known as WellPoint, Inc and it has been the leading health benefits company. The company grew by acquisitions and is headquartered in Indianapolis. It is the largest for-profit managed health care company in the BCBSA, Blue Cross and Blue Shield Association and as well as the second largest health insurance payers, by the marketplace in the country.
Anthem along with its affiliated companies serves over 73 million people in the United States which includes around 40 million people with its Anthem homegrown health plan products. Anthem Inc delivers a number of leading health benefit product solutions through a broad portfolio of health care plans. The health services cover a wide range of specialty products such as life and disability insurance benefits, dental, vision, behavioral health benefit services, as well as long-term care insurance and flexible spending accounts. With several health care regulations in place, Anthem is licensed to serve members in 14 states and specialty plan members in other states.
Anthem及其附属公司为美国超过7300万人提供本土健康计划产品，其中包括约4000万人。Anthem公司通过广泛的医疗保健计划，提供一系列领先的健康福利产品解决方案。健康服务涵盖广泛的专业产品，如人寿和残疾保险福利、牙科、视力、行为健康福利服务，以及长期护理保险和灵活消费账户。随着一些医疗保健法规的实施，Anthem被授权为14个州的成员和其他州的专业计划成员服务。
1.Anthem Business Strategy Anthem 商业战略
Anthem, Inc. affiliated health plans have created a variety of PPOs, HMOs, various hybrid and specialty products, network-based dental products and health plan services that combine the attributes consumers find attractive with effective cost control techniques. Anthem’s vision is to be the most innovative, valuable and inclusive partner.
Anthem公司的附属健康计划已经创建了各种ppo、hmo、各种混合和专业产品、基于网络的牙科产品和健康计划服务，这些服务结合了消费者认为有吸引力的属性和有效的成本控制技术。Anthem的愿景是成为最具创新、最具价值、最具包容性的合作伙伴。
2.Global Health Insurance Sector全球健康保险部门
The global health insurance industry is facing a significant increase in competition. This has put significant pressure on companies to become more efficient, alter their business models and enhance their technology-related processes. The global health insurance industry is currently dominated by the United States and it accounted for around 70 percent of the total global health premiums in 2015. There is an increased awareness for the necessity for health insurance in emerging markets. With the rise in income levels, increased awareness and more private health insurers, the annual share of health premiums in emerging markets is expected to increase in the coming years.
全球健康保险行业正面临着竞争的显著增加。这给企业带来了巨大的压力，要求它们提高效率，改变商业模式，加强与技术相关的流程。目前，全球健康保险行业由美国主导，2015年占全球健康保费总额的70%左右。在新兴市场，人们越来越认识到医疗保险的必要性。随着收入水平的提高、意识的增强和更多的私人健康保险公司，预计在未来几年，新兴市场每年的健康保险费份额将会增加。
“Rapidly emerging markets, China and India are balanced to lead this growth and increase the share of the global private health insurance premiums from 4 percent in 2015 to 11 percent in 2020.” [2] While there are a few early entrants in the market, it will be a great opportunity in terms of transforming the quality of life and health care as well as for Anthem, Inc to expand globally in these emerging markets.
3.Why Global Entry in the Indian Insurance Sector为什么印度保险行业要进入全球
Insurance Regulatory and Development Authority (IRDA) is an autonomous body to regulate and develop the insurance industry in India. In August 2000 IRDA had opened up the market and allowed foreign direct investments up to 26% in the insurance sector. Expanded FDI limit will reinforce the current organizations and also enable the new players to come in. This will enable more individuals to purchase life and health insurance. As more organizations would enter the insurance marketplace, it would lead to higher competition and cheaper insurance premium for the clients. IRDA increased foreign direct investment to 49 percent in 2013. Although with the increased FDI, Government still holds guidelines regarding the management control, which would lie with the Indian counterpart.
保险监管和发展局(IRDA)是印度监管和发展保险业的自治机构。2000年8月，IRDA开放了市场，允许外资直接投资保险行业的比例达到26%。扩大外国直接投资限制将加强现有组织，也将使新的参与者进入。这将使更多的人能够购买人寿和健康保险。随着越来越多的机构进入保险市场，这将会给客户带来更高的竞争和更低的保费。2013年，IRDA将外国直接投资增加到49%。虽然外国直接投资增加了，但政府仍然持有有关管理控制的指导方针，这将由印度的对应方掌握。
A recent study conducted in India shows that only 1.1 billion of the Indian population which is less than 15% of the Indian population is covered through health insurance. According to WHO statistics, 31 % and 47% of the hospital admissions in urban and rural India are either financed through loans or sale of assets. “Additionally, as per statistics, 70% of Indians spend their entire income on healthcare and 3.2% of the population fall below the poverty line owing to high medical bills. The Indian healthcare industry amounted to $160 billion in 2017 and is expected to reach $370 billion by 2022 due to the increased demand for specialized and quality healthcare facilities.” [3] The market is dominated by private players. Indian health insurance industry is growing up rapidly. There are massive investments from existing corporate hospital chains and new entrants backed by personal equity investors. This growth will be driven by hospital facilities, private-public projects, medical diagnostic centers and pathological laboratories, and also the health insurance sector. India currently faces a shortage of healthcare infrastructure and is anticipated to possess a potential demand of 1.75 million new beds by the tip of 2025, particularly in rural areas and Tier II and Tier III cities. [4] This plight of healthcare infrastructure would possibly want overseas organizations to set up hospitals in India through foreign direct investment.
The hospital services market, that represents one among the foremost necessary segments of the Indian healthcare industry, is presently valued at $80 billion and accounts for 71 percent of industry revenues. “The boom in medical tourism in the Indian healthcare sector is urging hospitals and hoteliers to create coalitions. The potentiality of world-class hospitals and experienced medical professionals has bolstered India’s position as a preferred destination for medical tourism. The healthcare industry is now proactively creating norms for the medical tourism industry with the assistance of credit rating agencies, insurance companies,1 and others involved in the self- regulation of the sector.” As per the industry assesses, this market is expected to grow from $3 billion to $7-8 billion by 2020. 4 Health insurance and hospital administration is a key area in which companies like, Anthem corp can make a difference. This opportunity includes introducing and maintaining industry standards and classifying and certifying healthcare centers. Favorable entrant situations in India combined with innovative Anthem strategies will be best recognized for Anthem to make footprints in the emerging Healthcare industry.
4.Global Expansion through a Subsidiary in India通过在印度的子公司进行全球扩张
With the health insurance regulatory and political landscape in favor of expanding in the Indian marketplace, Anthem should strategize taking this business line a step forward in the Indian marketplace. Anthem Inc can now expand its health insurance products in India through an Indian subsidiary. Having an existing contract with Apollo Munich Health Insurance company Ltd, Anthem can extend this relation through contractual terms and operate via Apollo Munich Health Insurance in the Indian marketplace. Anthem will form the board of directors with a strategic leader from the subsidiary company to lead the initiative in the Indian marketplace and that also align with the overall Anthem’s strategic pillars.
随着医疗保险监管和政治环境有利于在印度市场扩张，Anthem应该制定战略，在印度市场上把这一业务向前推进一步。Anthem 公司现在可以通过印度子公司在印度扩展其医疗保险产品。Anthem与Apollo Munich健康保险有限公司有现有的合同，可以通过合同条款延长这种关系，并通过Apollo Munich健康保险公司在印度市场运营。Anthem将与子公司的一位战略领袖组成董事会，领导在印度市场的举措，这也与Anthem的整体战略支柱相一致。
Anthem can have their directors in the board to supervise and advice on the subsidiary operations but it is key to have the strategic leader from the subsidiary company who are closer to the local consumer market and understand the local nuances and be innovative.
The investments that Anthem would make in this subsidiary company would be strategically used in formulating newer health plans and products that would cater to the local population under the supervision and guidance of the strategic leader from the subsidiary company. In this way, there will be encouragement, rewards, recognition and formularized process of innovation encouraging the subsidiary side. The opportunities that are recognized could be a new product that fits into the trend of local market needs. The subsidiary company can bring in higher managers from the headquarters, Anthem Inc to see and review the local consumer health care needs in formulating any newer health plan products. This will encourage personal connections between the subsidiary and the headquarter Anthem Inc. This can be a formal channel for the subsidiary to implement their innovative ideas and at the same time align their innovation and processes with Anthem global strategy.
5.New Global Products – Travel Insurance全球新产品-旅游保险
Travelers around the world are increasing every day. The vacation tradition in the United States is defined to be longer, relaxed stays. Especially in recent years, travelling overseas for vacation has taken the charm. Travelling overseas is a wonderful and exciting experience. To be covered with an insurance gives the peace of mind to be protected in the event of the unexpected especially when the travel is outside the country of residence. Travel insurance product will be designed to protect you from both non- medical situations like trip cancellations, lost luggage and personal liability as well as unexpected medical emergency situations.
世界各地的游客每天都在增加。美国的假期传统被定义为更长时间、放松的逗留。特别是近年来，出国度假已经很有吸引力了。出国旅游是一种美妙而激动人心的经历。投保保险可以让你在发生意外时，尤其是当你在居住国以外的地方旅行时，得到安心的保护。旅游保险产品将为您提供非医疗情况下的保障，如旅行取消、行李丢失、个人责任，以及意外的医疗紧急情况。
Some of the health plan products in the marketplace do provide insurance and coverage during travel but defines an invisible line between ‘urgent care’ and emergency care’. Also, any medical emergencies that may arise from the pre-existing condition may not be covered. This could represent a huge financial risk for travelers. Most standard benefits from the insurance policies do not apply while travelling outside of the home country. Travel insurance plan can give the peace of mind to enjoy the trip to the full intent and be able to provide the needed assistance when the unexpected or unfavorable strikes. Travel medical coverage is ideal for:
International vacationers
Relatives visiting from overseas
People going on cruises, safaris or guided tours.
6.Expat Insurance Product海外保险产品
With Anthem’s strategy to expand in India and rest of the global markets in the coming years, there will be a need for Anthem employees to travel onsite for business reasons for an over extended period time, nowhere between a month and one year. There will be then, an in-house need for Anthem to design expat insurance for its employees. Taking this product idea to the marketplace would give an opportunity for Anthem members and the rest of the population an option to benefit from this product. Anthem expat health product will provide health coverage in case of medical emergency, routine physical exam, and care for a pre-existing medical condition that needs ongoing treatment, injury and accident.
Anthem的战略是在未来几年在印度和全球其他市场扩张，因此， Anthem的员工将需要很长一段时间(不需要一个月到一年)因业务原因到现场出差。到那时，Anthem将需要为员工设计海外保险。将这一产品理念推向市场，将为Anthem会员和其他用户提供一个从这一产品中获益的选择。 Anthem外籍人士健康产品将为需要持续治疗、受伤和事故的医疗紧急情况、常规体检和已有疾病护理提供健康保险。
The product can be designed for any period between 1 month up to 12 months, however, the product will have the flexibility for cancellation if the trip will be shortened. For any medical coverage lesser than a month, travelers insurance will be an alternative to consider.
The strategic leader will bring Apollo health competencies in terms of market survey and potential health plan products that will be need and demand for the local population. The global products will be designed and submitted for approval for Insurance regulatory for approval before the end of the ninth month into the roadmap and launch in the marketplace in the first year At around the same time, Anthem travel products will be carefully designed based on the market analysis in the US and India, to begin with, it. Anthem would focus on marking its first global footprints in India for these travel products and slowly expand into the rest of Asian and other global markets through subsidiaries. This global strategy aligns with One Anthem transformation and together we can change lives for the better.
战略领导者将在市场调查和潜在的健康计划产品方面带来阿波罗健康能力，这将是当地人口的需要和需求。全球产品将被设计并提交批准的保险监管批准在9月底之前路线图和在市场上推出第一年大约在同一时间,Anthem旅游产品将精心设计基于美国和印度的市场分析。Anthem将专注于在印度为这些旅游产品开拓全球市场，并通过子公司慢慢向亚洲其他地区和其他全球市场扩张。这一全球战略与“One Anthem ”的转变相一致，我们可以一起让生活变得更美好。
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