A Study On Commercial Insurance To Participate In The Basic Healthcare Insurance Service Supply

Now China is deepening the reform of the medical and health system, building the multi-level civil healthcare insurance system. The requirements for dealing with the relationship between government and market, improving public services, improving the management system of the social security agencies and strengthening the government procurement of services are mentioned several times in the report of The 18th National Congress of Communist Party of China and the new government,. In practice, on the one hand, some local governments and commercial insurance companies continue to promote the improvement of the multi-level healthcare insurance system through the government purchase of commercial insurance services, and then achieve a "win-win-win" situation of the masses, the Government and the commercial insurance companies. On the other hand, some local governments still distressed about the manpower and Managers shortage, poor service that are caused by the expanding of health insurance coverage. How to improve the basic health care services supply and further improve the Government public services delivery, become an important issue demanding prompt research of theory and practice.Starting from the concepts of public services and other related concepts, this thesis carries out research that commercial insurance participate in the basic health care services supply in the perspective of government purchasing services, analyses theoretical basis of building the critical illnesses system in the base of commercial insurance managing Medicare reimbursement settlement and undertaking basic healthcare insurance and the problems in the process of government supply its own basic medical insurance. Through the case, we dissect and evaluate the successes and shortcomings of commercial insurance providing basic health care services, as well as probe into the countermeasures for promoting the government purchase of commercial insurance services.This thesis is a preliminary study of China's basic healthcare insurance service supply in perspective of government procuring public services. This main points include:basic health insurance is neither a pure public products, nor is personal effects, but the quasi-public products, and through the government purchase of public services, it can solve the "government failure" problem that is generated by the government supply; In a wide range of subjects of supplying the basic health care services, whether it is government or the third sector, commercial insurance supplying basic health care services has a natural advantage; There are both advantages and disadvantages of commercial insurance services involved in the supply of basic health services, that the advantages outweigh the disadvantages and benefit in the long run, and the disadvantage can be reduced through deepening reform; Commercial insurance services participating in the supply of basic health care services has many difficulties, such as lack of unity of understanding and system guarantees; Promoting commercial insurance participating in the supply of basic health care services needs to change the traditional concept of the administration, improve top-level design to provide legal protection, improve commercial insurance company's own ability, establish and perfect the operating mechanism.