Research On Development Of Business Health Insurance In China

In 2008,China's Ministry of Health introduced the "seek the views of health care reform draft" that want to build universal health insurance system. To set up and perfect the multi-level medic security system in which basic medical insurance as the main body, and other forms added. The system plan to cover urban and rural residents as quickly as possible. The commercial health insurance has important role to complement the basic health insurance, from the scope and extent of protection.In 1990's, the beginning of the reform of Chinese medical insurance system for urban workers has created a good space for China's commercial health insurance development. Our country's productivity decide that the existing social health insurance has a low, limited level, so we have to develop the commercial health insurance to build a multi-level medical security system.However, it appears from the current situation, China's commercial health insurance market is seriously lagging behind the level of development. The main reasons include that commercial health insurance policies do not support, insurance companies do not place their own management, marketing adverse selection and moral hazard problem, as well as insurance awareness among the public and other factors.As analyzing the development of commercial health insurance status and problems, their also has Introducing the United Kingdom, Germany, the United States, Singapore, the four countries on medical insurance system for an overview of construction. Compared these four medical insurance systems to draw some important reference on China's development of commercial health insurance.Designed "Demand for commercial health insurance questionnaire" to do specific analysis of the commercial health insurance market demand and potential. The questionnaire had Running at 6 major cities in Henan Province, China. Using SPSS statistical analysis software to analyze the nearly 500 surveys, describes the commercial health insurance in our country's development potentialFrom the external environment and internal aspects, proposing policies and recommendations for our country's commercial health insurance development. First of all, specialized commercial health insurance business is the core, From specialized personnel, product specialization, specialized services, process management, to propose the scientific development strategy; Secondly, to improve the external environment for the development of commercial health insurance, provided complementary measures, emphasis on the commercial health insurance and planning guide. Regulate the operation of commercial health insurance. Through the integration of internal and external resources management to implement Pareto-optimal.