Research On The Promotion Countermeasures For The Integrated Development Of Commercial Health Insurance And Social Basic Medical Insurance In The Western Region

After nearly two decades of development,my country has established a multi-level medical security system covering urban and rural areas consisting of social basic medical insurance,commercial health insurance,and social medical assistance.However,with the aging of the population structure and the acceleration of new urbanization,the deep-seated problems in the integration of the former two have gradually emerged.The current social medical insurance focuses on the comprehensiveness of coverage and the extension of the expansion of the overall fund The development model must be transformed into a connotative model that improves the fairness and sustainability of social medical insurance.This article first analyzes the development status of the integration of commercial health and social medical insurance in Shaanxi Province in the western region.Through data analysis of Shaanxi's population structure,major diseases,and economic burden of diseases,it is found that the population structure of Shaanxi is aging,heart,brain,and malignant tumors.Other major diseases have become a high-incidence type,and the proportion of per capita medical care expenditure is higher than the national average.At the same time,through analysis,it is also found that the compensation level of social medical insurance expenses in Shaanxi Province still cannot meet the diverse medical security needs of the people,and the revenue and expenditure of the medical insurance pooling fund is facing greater pressure,and then analyzes from the aspects of policy guarantee,interactive development,mutual influence,and social benefits.,Believes the necessity and feasibility of the integrated development of commercial health and social medical insurance.And introduced in detail the main ways of integration and development of the two.Secondly,this article has a detailed understanding of the current effectiveness of the integration and development of the two and some potential problems by designing a questionnaire survey,and has a comprehensive understanding of some problems exposed in the questionnaire survey through field interviews.In response to the above problems,based on the theoretical guidance of "Collaborative Public Management Theory","New Public Management Theory" and "Public Choice Theory",based on the conditions of Shaanxi Province,medical security construction andThe development status of commercial insurance,a targeted amount is proposed.Countermeasures and suggestions,through the research and recommendations of this article,from expanding the coverage of critical illness medical insurance,establishing a fair and competitive policy environment,breaking through policy abuses,strengthening medical and health service supervision,setting up a dynamic financing level,and using market-based incentives Policies and operating models,as well as the use of commercial insurance companies to play a market-oriented role in resource allocation,through high-quality service levels,innovative service methods,and professional service values,to continuously improve the overall efficiency and level of the integrated development of the two.