Reflections On Commercial Health Insurance Participating In Rural Medical Security

As economic development and institutional reform,China's rural rural medical security system has put forward a severe challenge;the current rural medical security has been unable to meet the growing needs of farmers.The commercial health insurance company to improve the operation and management system,not only to protect the smooth operation of the rural medical security system,while broadening the commercial health insurance operation channels,both of which are very important.The meaning of commercial health insurance in the process of participating in rural medical security there are still some shortcomings and problems.In the process of participation,there are still some shortcomings and problems,we need to objectively look at the problems that exist in them,put forward their own opinions and countermeasures,in the process of participation to further improve.This paper takes PICC as an example,and mainly introduces the basic concepts of national health service system,rural medical security system and the basic theory of welfare economics,medical insurance demand theory,resource optimization allocation theory and cooperative public management theory,commercial health insurance to participate in rural health care related policies;pointed out that commercial health insurance in rural health care in the policies and regulations,market environment,consumer groups,medical institutions,institutional problems;It is aimed at the above problems,from the improvement of policies and regulations,optimize the regulatory process,strengthen the management of medical institutions,and actively support the commercial health insurance institutions to serve rural health care and other aspects of countermeasures and suggestions on the basis of the macro design for the participation of commercial health insurance in rural medical insurance.Through the above analysis,commercial health insurance to participate in rural medical security situation has a clear understanding of China's medical security system and foreign developed countries to improve and diversify the system still exists a certain gap between the status quo Certain policies and regulations to protect and ensure that commercial health insurance is actively involved in rural health care.Also found that China's policies and regulations in the protection of the construction of the market environment,the support of consumer groups,the supervision of medical institutions and the participation of insurance institutions,as well as propaganda is not enough,the regulatory mechanism is not perfect,thecompensation mechanism is not perfect etc.In view of the above problems,the corresponding countermeasures and suggestions,pointed out that from the fiscal and taxation and the use of dual model of the "starting point" and other aspects to strengthen the process of commercial health insurance in the process of policy and regulations;to take internal and external to improve the efficiency of supervision;through the regular management and introduction of the elimination mechanism,as well as to take some reform measures to strengthen the management of medical institutions;by raising the level of risk management of insurance companies,good policy publicity to increase rural commercial health insurance products supply,and actively support commercial health insurance for rural health care services.This paper comprehensively and systematically analyzes the current situation of commercial health insurance in participating in rural medical security,accurately pointed out the problems in the process of participation,and put forward countermeasures and suggestions on the service of rural health insurance and so on.Health insurance to participate in rural medical security process plays a greater role.It has great theoretical and practical significance.