Study On The Development Of Commercial Health Insurance In Xinjiang

Along with the people’s standard of living rise in Xinjiang region, More and more people paymore attention to the importance of their own health, the health insurance demand is stronger andstronger, which lead the development potential of commercial health insurance is more and moreprominent day by day. Health insurance market will be a market of Unlimited businessopportunities.The Medical reform opinions issued in the early years and the guiding opinions aboutserious illness medical insurance published in2012were clearly explain that to promote thedevelopment of the commercial health insurance actively, encourage the commercial health insurancecompanies to participate in social medical insurance, to improve the medical insurance system inXinjiang.But at the present stage,the development of the commercial health insurance in xinjiang comparewith personal insurance both in the market in life insurance and accident insurance in Xinjiang, or withthe national average level and rich areas of the commercial health insurance development level, itsdevelopment level is not so satisfactory, there are a lot of problems.Based on the economics’ supply and demand theory and its determinants and commercial healthinsurance related theory, using qualitative and quantitative method to research the development ofcommercial health insurance in xinjiang.First of all, analyzed Xinjiang commercial health insurancedevelopment present situation, compare and analysis Xinjiang to the average national level andeconomic developed commercial health insurance development by the methods of qualitative andquantitative.Secondly, discussed the existing problems in Xinjiang commercial health insurancedevelopment internal and external management environment. Again, using qualitative and quantitativemethod to analyzed xinjiang commercial health insurance development influence factors, and throughthe analyzing influence factors to the regression analysis, draw the corresponding empirical results. Atlast, combined with Xinjiang commercial health insurance of the actual situation of the development ofthe problems and the empirical results of influence factors, put forward some Suggestions and opinions.