The Obstacles Of The China's Business Health Insurance And The Policies Of Solving

At the end of 1996 , our country begins to reform the basic medical treatment system , and the health insurance business begins to launch completely . In the several years , many products of health insurance are developed by CPIC , AIA and NCL . According to the statistics from CIRC , from 1999 to 2002 , the Chinese business health insurance increases 52% in average every year , in 2002 the quantity of entering the insurance attains 0.136 billion ,and the income of the health insurance at that year attains 32.06 billion yuan. Now many life insurance companies and property insurance companies operate health insurance business , and the quantity of provided products is already over 300 . Predicted by Maikenci company, the health insurance business market will develop rapidly between 2004 and 2008 , the market scale hopes to attain 150 billion to 300 billion yuan.From the figures we can see the bright prospect of the health insurance business, but now the effect of the health insurance business is not good . The compensation rate of many companies is too high, which makes the insurance companies stop forwarding.This text analyzes the present condition of the health insurance market, points out some problems existing in it and puts forward the method of the solution to these problems , hoping these suggestions will produce some positive influences to the development of our country's health insurance business .