Research On The Institutional Basis Of The Development Of Commercial Health Insurance Under Multi-level Medical Insurance System

The perfection of the medical security system is related to the national medical level and health status,and at the same time it also reflects the overall welfare level of a country.As an important part of the multi-level medical security system,commercial health insurance has important significance for improving the medical security system and improving the national medical security level.In recent years,the development of China's commercial health insurance has received frequent attention.The state has intensively issued a series of policy documents to encourage the development of commercial health insurance,but it has not always been fully developed.One of the important reasons is that the institutional environment is imperfect,that is,the development of China's commercial health insurance is facing a series of institutional and institutional obstacles.Therefore,it is the writing goal of this paper to eliminate institutional barriers,improve the institutional environment,and lay a good institutional foundation for the development of commercial health insurance.Based on this,this paper first analyzes the theory of single-center governance and multi-center governance,which lays a theoretical foundation for the necessity of the development of China's commercial health insurance.Next,we will sort out the development history and development status of commercial health insurance under China's multi-level medical security system,and on this basis,conduct in-depth analysis of the institutional factors that affect the development of China's commercial health insurance.Afterwards,some countries with better development of commercial health insurance in the world were selected as representatives,and the institutional basis for their development was sorted out,and relevant revelations to China were drawn.Finally,on the basis of the combination of China's actual situation and international experience,the institutional basis for the development of China's commercial health insurance and its implementation path are proposed.That is to say,it is suggested that the medical insurance management system in China be truly separated from management and management,and the medical service market should move from monopoly to competition.Weakened government regulations and optimized taxation policies to create a good institutional environment for the development of China's commercial health insurance.