Research On The Demand Of China's Commercial Health Insurance Under Multi-level Medical Security System

Announced in 2009, "the views on the deepening health care reform" pointed out that China had to "speed up the establishment and improvement of Multi-level Medical Security System which covering with both urban and rural residents." And it also proposed to "develop Commercial Health Insurance actively." So we could see that Commercial Health Insurance would be bound to play its due role along with the establishment and improvement of Multi-level Medical Security System and the achievement of the "universal coverage of medical security"! However, the development of China's Commercial Health Insurance market is still lagging behind now.In order to grasp the opportunity under the policy of "new health care reform" which proposed to establish and improve Multi-level Medical Security System, I decided to study on the Demand of China's Commercial Health Insurance and provide some ideas which might help Commercial Health Insurance to disengage from the plight of demand and develop well.The main content of this paper can be summarized into three parts, theoretical analysis, empirical analysis and proposals for development.In the theoretical analysis, this paper first did a brief review on studies both at home and abroad. Secondly, it introduced the medical security system in China. Thirdly, basing on defining the concept of the demand of Commercial Health Insurance, it made a simple analysis about the consumer choice behavior, and then summed up the influencing factors from the perspective of market participants.In the empirical analysis, there were two angles composed of micro individual demand and macro market demand, from which this paper analyzed.At the micro level, this paper used Logit model to study on the factors influencing individual demand. According to the regression results, it showed that "basic medical security" had some substitution effects on the individual demand, the increase in the population of aged group would reduce the demand for business Health insurance, while high income, high educational level, living in the city, work is all right did promote the rising of the demand for Commercial Health Insurance.At the macro level, this paper firstly used panel model to research on the factors influencing market demand. According to the regression results, it showed that the higher level of local economic development and urbanization were, the higher increase on demand of Commercial Health Insurance was, and also did the income level of basic Medical Insurance Fund. Secondly, this paper made some descriptive statistical analysis finding that the plight of insufficient demand existed in China's Commercial Health Insurance market. At last, this paper made correlation and partial correlation analysis finding that the current changes in the structure of total health expenditure inhibited the production of the demand for Commercial Health Insurance, however, these changes were essentially results for the social Medical Security System reform.In the end, based on the analysis above, this paper mainly released three proposals on developing Commercial Health Insurance, from the point of view of product exploitation, health management services and supervision.