Medical Insurance Demand Analysis

High medical expenditure has troubled many families. And it occupies most of the country's wealth. This is the reason why we develop the medical insurance market. Many experts have focused on it for a long time. Through the analysis of the elements of demand, the paper indicates the problems and direction of the development of the medical insurance market in future. We analysis the economic status and demographic characteristics of people, use the Probit model to do the empirical analysis, the results show that the level of education, gender and income have the positive effect to the demand, but whether the insured is living in urban or rural that most experts pay attention to is not significant any more. It implied that the NRCMS has some achievements since it laughed in 2003, but the equal problem is also exists.The costs of the society medical insurance is growing day by day, and the burden of the financial expenditure is also becoming heavier and heavier. The introduce of commercial medical insurance is a better way to handle this problem. But the disadvantages it has also brought some difficult to the improvement of the market. Through the analysis, we find that the people have more medical costs always have less insurance expenses. How we can reduce the insurance expenditure, and also we can make sure that the insurance company can get enough profit at the same time is the importance needs us to pay attention to.From the measurement results, we can know how effective the factors are for increasing the medical insurance need. Education level is the most important and followed by gender. Both income and age are after them and in the same place. People at all levels have their own characteristics and constraints. Founding a multi-level medical security system is an effective way to stimulate the demand for medical insurance. Education seems to be significant on the impact of the medical insurance market. It is increasing people's income, while affecting people's understanding of the market. It is an effective way for solving the aging problem to establish basic health security system for most of the people while commercial insurance company providing various types of high-level professional services. It also needs to strengthen government's supervision to reduce the individual's medical expenses and save the limited medical resources. Only in this way can we raise the level of medical insurance needs and achieve the ultimate goal of improving the whole peoples'health status.