On The Commercial Health Insurance In The Rural Medical Security Thinking

Chinese medical and health system was formed in planned economy period. Begin in late twentieth Century of economic system reform on medical and health supplies basic system posed grim challenge. More and more farmers cannot afford medical expenses rises bring heavy burden, rural medical security has become the urgent problems in current rural. In recent years, commercial health insurance through a variety of ways to widely participate in the new rural cooperative medical scheme, commercial health insurance products, farmers has brought tangible benefits, more and more farmers concern.In this paper, through the literature research, data analysis, questionnaire and other methods were systematically studied in commercial health insurance in the rural medical security system status and significance, and to China Life Insurance Company Limited as an example, on the commercial health insurance in the rural medical security situation, problem undertook an analysis, discuss the restrict of commercial health insurance in rural area medical security system obstacle and rural purchasing commercial health insurance potential contradiction, prompting in the rural medical security system construction in developing the rural commercial health insurance is a necessity.This paper thinks that only perfect relevant laws and regulations, strengthen the management of medical institutions, actively supporting the Business insurance company involved in the rural security system construction, enhance the commercial health insurance company oneself actual strength, ability makes the commercial health insurance to better play its role in promoting rural security system.