| In the report of the 19th National Congress of the Communist Party of China,the"implementation of a healthy China strategy" was proposed as the basic content of my country’s development strategy.Commercial health insurance plays an important role in my country’s social medical security system,which can ensure the stability of residents’ lives and stabilize social and economic development.Therefore,promoting the active and steady development of commercial health insurance is an important direction for "implementing the Healthy China Strategy".By the end of 2020,my country’s health insurance premium income reached 817.3 billion yuan,accounting for less than 19%of the total premium income,only 18.06%.Compared with the mature health insurance market in developed countries,the proportion of premium income can reach more than 30%.It can be seen that my country’s commercial health insurance still has a lot of room for development.However,the development of commercial health insurance in various regions in my country jointly determines the overall level of the development of health insurance in China.The differences in economic development and cultural environment of each region will inevitably lead to differences in the development of regional health insurance.Therefore,a scientific and reasonable evaluation system for the development of commercial health insurance should be constructed to quantify the development level of health insurance,clarify the degree of development differences in regional health insurance,and analyze the impact of internal indicators on the development index of health insurance,so as to propose targeted promotion of commercial health insurance.The countermeasures for development are of great significance to improving the overall development level of my country’s health insurance.First of all,this paper divides 31 provinces,municipalities and autonomous regions in my country into four regions:northeast,east,central and west,and qualitatively analyzes the development status of commercial health insurance in my country and regions from 2010 to 2020 in terms of premium income,insurance depth,and density.Regions have certain developmental advantages in different aspects of health insurance.Secondly,the development level of health insurance is quantified by constructing a development index.The national and 31 provinces,municipalities and autonomous regions from 2010 to 2019 are used as samples to calculate the health insurance development index,and the mean logarithmic deviation is used to reflect the differences in the development of regional health insurance in my country.degree.The results show that:the development of health insurance in the northeast region is good with small internal differences,the development of health insurance in the eastern region is the best but the internal differences are large,the development of health insurance in the central region is poor but the internal differences are small,and the development of health insurance in the western region is poor and the internal differences are the largest.Then,analyze the degree of influence of secondary indicators on the development index of commercial health insurance.Use grey relational analysis to identify the key elements that affect the regional health insurance development index.After analysis,it is found that the disposable income of rural residents,the per capita medical security expenditure of urban/rural residents,the depth of health insurance premiums through life insurance channels and the health insurance development index of each region are generally highly correlated.Finally,based on the previous analysis and conclusions,suggestions for promoting the development of my country’s commercial health insurance are put forward. |
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