Study On The Risk And Control Measures Of Commercial Supplementary Medical Insurance

As an important part of social security,basic medical insurance plays an important role in improving our social security system and maintaining social stability.The reform of medical insurance system in our country has gone through the "two rivers","Hainan style" and"Shenzhen style".In view of the fact that the development of medical insurance lags behind and meets the needs of different groups of people,it is urgent to establish a multi-level medical insurance system.Health care is a worldwide difficult problem,especially for developing countries such as China,which are not rich first old.The social basic medical insurance has become unable to meet people's needs of medical treatment increasingly.It need the government should actively use the market mechanism,encourage and support China's commercial insurance as a supplementary medical insurance system of our country,so as to establish the perfect multi-level medical security system.Nowadays,the commercial supplementary medical insurance is an important element of multi-level medical insurance system.As we know,it's also an important research topic in the study of social and economic development.In this background,this paper insists on the principle of combining qualitative and quantitative analysis,descriptive and empirical analysis.It mainly adopts the literature method,inductive deductive method,statistical analysis method.In order to study the risk factors of commercial supplementary insurance,the author as an example of medical insurance for urban workers basic medical insurance in F province.On the basis of consulting current events,reading and studying literature materials,to understand the current situation of the development of medical insurance at home and abroad.Through the study of the theories and the research results of scholars at home and abroad,the focus and direction of the paper research is clear.First,this article based on the analysis of the relationship between commercial supplementary medical insurance,basic medical insurance and commercial medical insurance to understand the unique characteristics of commercial supplementary medical insurance.Then,Take the case o the commercial supplementary medical insurance in F province,through the analysis of historical data to explore the risk factors of commercial supplementary medical insurance.Next,through the analysis of the risk control of commercial supplementary medical insurance,find out the problems existing in the current risk control.Finally,in view of the existing problems,combined with qualitative and quantitative research results,this paper puts forward the corresponding countermeasures and suggestions like improving the contract to reflect the fairness;improving audit efforts;speeding up the fine management,establishing cooperative relationship with medical institutions;improving the payment method.