A Study On The Determinants Of Commercial Health Insurance In The Context Of Universal Medical Care

With the continuous improvement of living standard,people pay more and more attention to their own health,and gradually increase the demand for health insurance.In theory,commercial health insurance should become an important supplement to basic medical insurance,giving full play to social security function,but in reality,it is not satisfactory.What are the reasons that affect people's understanding and purchase intention of commercial health insurance?Why the supply and demand for commercial health insurance is in a dual-cooling situation?Therefore,under the background of the national medical insurance,the paper tries to make an in-depth study on the factors affecting the demand for commercial health insurance,making the commercial health insurance really become an important means to ensure the health needs of the people,and also promote the development of the commercial health insurance.It can be seen that the research on the influencing factors of the demand for commercial health insurance is of great practical significance.Around this theme,the thesis is divided into five parts:Part ?,Introduction.This part expounds the background,research significance and purpose of the thesis,and systematically reviews the ideas and views of domestic and foreign scholars on the demand for commercial health insurance.The research framework and innovation point of this paper are also introduced in this part.Part ?,Relevant theoretical basis.This part,starting from the basic theory,combs the evolution and development of the related theory of insurance demand.These theories mainly include:modern insurance demand theory and health insurance demand theory.This chapter provides a theoretical basis for empirical research on Influencing Factors of insurance demand later.Part ?,Research on the current situation of China's commercial health insurance demand under the background of national medical insurance.This chapter analyzes the potential demand and actual demand situation of China's commercial health insurance under the background of medical insurance for the whole people.At present,consumers' demand for commercial health insurance is expanding,and the potential demand is huge.But due to some existing problems and difficulties,the development of commercial health insurance industry has been hindered,and the potential demand has not yet been fully excavated.Part ?,Empirical study on the influencing factors of the demand for commercial health insurance under the background of the national medical insurance.Based on the theory and the demand of previous research on this chapter through the grey correlation model on the economic factors affecting the demand of China's commercial health insurance,medical resources and social cultural factors such as the three major categories of factors for the empirical research,and the potential demand forecast analysis.Part ?,Conclusions and Suggestions.Based on the above empirical findings and theoretical analysis results,this chapter puts forward various,multi-level and multi angle policy recommendations from two perspectives,namely government and enterprises.On the one hand,we should actively introduce policies to improve the environment of supply and demand for products,on the other hand,we should increase the supply side reform,expand the scale of supply,and improve the quality of supply.It is expected to provide a reference for the promotion of the stable and healthy development of commercial health insurance.