Analysis Of The Research On Account Balance Of Medicare Card Purchase Intention And Influencing Factors Of Commercial Health Insurance

Since 1990, with the development of China’s economic system, China’s basic medical insurance system had been gradually established. In 1998, the State Council was issued’The Decision on Establishing the Basic Medical Insurance System for Urban Employees’, so far, our country established the basic medical insurance system, which was mixed for a whole fund and individual account through adopting "combined" model, At the beginning of the establishment of basic medical insurance system, it was greatly reducing the people’s medical burden, but with the function increasing of the medical insurance card, the drawbacks were also increasing. And the high proportion of urban employees out-of-pocket expenses for medical treatment, therefor, medical burden was still heavy; Another problem was the less accumulated and inefficient for medicare card. And medicare card had many limitation, such as payment amount, medical items and drug catalog, what’s more, medicare card in the major diseases and reimbursement had the maximum amount, so it couldn’t completely solve the staffs burden on health-care. But Shenyang allowed account balance of medicare card to buy commercial insurance and looked commercial insurance as a supplement to the basic social medical insurance, which reduced the burden of medical expenses for staff members and workers in Shenyang and helped to improve the level of medical assistance.The author considered Shenyang medicare card participants as object, obtained corresponding data by using the form of questionnaire, took advantage of econometric model to test and investigate, analysis of the research on account balance of medicare card purchase intention and influencing factors of commercial health insurance through the study of the data, a detailed understanding of this policy could promote the combination of Shenyang basic medical insurance with commercial insurance, which could improve the personal account of the utilization efficiency of medical insurance card. It was better for the insurance agency learning demand preference and risk preference of commercial insurance witch promoted the development of commercial insurance ulteriorly through a correct understanding of the medicare card participants.