China's Commercial Health Insurance Development Countermeasure Research

Commercial health insurance plays a very important role in medical security system of China, and commercial health insurance plays a supplementary role when basic medical insurance can not work. Today aging peak has been quietly approaching to us, Obviously it is a severe test to our not perfect old-age health system. China is a large country with a population of over1.3billion. If we do not deal with the health protection of common people, it will lead to economic recession, even cause a series of social contradiction. Apparently it has diminished that relying solely on the strength of government finances to establish a universal and comprehensive health protection system, it is inevitable to play the voluntary insurance model of commercial health insurance. In addition, the experience came from the Western developed countries prove that the higher of a country’s economic and social development the more important role of commercial health insurance to play. This is the motivation to us to attach importance to the development of commercial health insurance. In this sense, the study of China’s commercial health insurance has great practical significance.First this article uses the analysis of economics method on China’s commercial health insurance, then Introduces the commercial health insurance in China opportunities and environments. On the basis of the thorough research of development status of China’s commercial health insurance, especially for the analysis of demand and supply two respects, finally the article sums up a number of constraints factors. Finally, the article draws some measures on the basis of previous research for the development of commercial health insurance, especially the professional operation of the commercial health insurance, because this is the most realistic and most effective way to strengthen the insurance enterprises and medical institutions, and effectively motivate management to improve operational efficiency and strengthen the leadership of the vertical level to replace the constraints between the division.