Chongqing Social Medical Insurance And Commercial Health Insurance Cooperation Mechanism Research

Our country’s social medical security system consists of basic medical insurance for urban workers, urban residents medical insurance, new rural cooperative medical insurance. With the continuous development of commercial health insurance, business insurance according to its own flexibility, can provide people with different levels of health insurance requirements, but people still face in the process of medical treatment "difficulty and high cost of the doctor", "poverty due to illness, Chinese" due to illness. And with the continuous development of commercial health insurance, its according to their own flexibility, can provide people with health insurance demand of different levels, at the same time, due to the commercial health insurance companies in the management, actuarial science, the advantage of cost control and so on, make it more and more important role in medical insurance system. The state council "about the opinions of the deepening medical and health system reform," clearly put forward:"vigorously develop commercial health insurance. Actively promote the government to purchase health care services, to explore with qualifications entrusted by the commercial insurance agency orgnaization of all kinds of health care management services". Started in 2013 in Chongqing urban and rural residents medical treatment of a serious illness insurance to the commercial health insurance company agency, Chongqing is also gradually explore the social medical insurance and commercial health insurance cooperation.This article from the government and the market allocation of resources in the field of health perspective, analysis of government intervention and effect of two different ways of operation of the market mechanism and at the same time to analyze the phenomenon of government failure and market failure. Comparative analysis of the United States, Britain, Germany, in the process of building a medical security system of social medical insurance and commercial health insurance cooperation, to provide the reference for our country the cooperation way. On this basis, we put forward the necessity of the social medical insurance and commercial health insurance cooperation. Zhanjiang, Xinxiang, Jiangyin, domestic social medical insurance and commercial health insurance were discussed, and the preliminary cooperation than their respective characteristics and the problems arising from the cooperation in running. Is proposed on the basis of the study of social medical insurance and commercial health insurance, the theoretical basis of cooperation, namely the supplier induced demand theory, as well as to run both in Chongqing related interview cooperation model, build cooperation model of social medical insurance and commercial health insurance, and put forward the cooperation model in Chongqing operation policy guarantee is required.