A Research On Individual Business Social Health Insurance System In Harbin

With china traditional forms of employment conversion, represented by individual industrial and commercial flexibility of informal sector employment become an important source of employment gradually. Currently, large-scale individual commercial and industrial practitioners' medical Insurance has become a serious problem faced of china's social security system.This article uses the research method combed by specification and empirical study Harbin individual industrial and commercial practitioners' medical insurance system. Full text is divided into five chapters: The first chapter outlines the significance of basic health insurance system of individual business, reviews literature about domestic and foreign research, and introduces the article's research structure and research methods. The second chapter is the analysis related theory. First from the theoretical analysis the inevitability of existence of health insurance system and the problems that may occur in practice using the three classical theories of welfare economics, game theory, market failure and government intervention, Then reviews the elements of china's health insurance system, finally elaborates relevant policies and regulations which business practitioners' basic medical insurance system in China for such a special group of individual. The third chapter introduces Germany special group health insurance system requirements and best practices, also introduces the migrant workers medical insurance system and the enlightenment in India and Brazil, finally this chapter introduces the policy content of the medical insurance system, implementation and inspiration for other provinces and cities in China Chongqing. The forth chapter researches the health insurance status of the individual industrial and commercial employees in Harbin. Research results show that the implemented effect of individual industrial and commercial employees health insurance system in Harbin is unsatisfactory, presences a series of problems that enrollment rate, lack of bridging, publicity is not enough, unreasonable payment mechanism and management is not flexible. On this basis, and analyzes the factors that affects individual health insurance system for the effective implementation of business in Harbin. The fifth chapter is on the basis of the previous chapters' analysis, combines other regions and abroad health insurance system practice For special groups like the individual industrial and commercial practitioners. This chapter focuses on perfecting individual health insurance system for industrial and commercial policy and recommendations in Harbin. Propose some suggestions that establishing social security law with the mandatory, redesigning the medical insurance system focusing on flexibility, convergence means the development among different regions and different health insurance system etc., expecting that these can contribute to the development and improvement of the health insurance system of the individual and commerce employees in Harbin.