The Research On The Collaborative Development Of Social Medical Insurance And Commercial Health Insurance

In recent years, our country attaches great importance to the development of commercial health insurance. The placement about the commercial health insurance has changed from “supplement of the multi-level medical security system” to “an important pillar of the social security system”. Developing commercial health insurance has become not only the will of insurance industry, but also the will of the state. Standing at the view of practice, social medical insurance and commercial health insurance collaborative developing problems still need further research. Especially as two distinct industries, social insurance and commercial insurance have different management departments. Therefore, they have different recognition on government, market boundaries and specific work propulsion.The essay takes the synergetic as the main theory basis. It analyses the relationship between social medical insurance and commercial insurance, and the role they play in the construction of China’s medical security system. It takes Beijing as an example to discuss the current situation of social medical insurance and commercial insurance, with the experience of developed countries like the USA, the UK and Germany as reference. On the basis above, the essay gives suggestions on social collaborative development of medical insurance and commercial health insurance. So it has a strong practical significance and influence.