| Commercial health insurance is an important part of the social medical security system in China,at present our country social insurance of primary medical treatment has been successfully implemented covering 1.35 billion people,is one of the world’s largest social safety nets.However,the pressure on financial health care is increasing.In 2016,the expenditure of medical and health expenses reached 1.3 trillion,accounting for more than 30% of the total expenditure of health expenses.Unable to support the cost of health and the contradiction between the growing medical service needs of the public day by day,effective connection of commercial health insurance and social medical insurance is the main way to solve this contradiction.Development of commercial health insurance has yet to give full play to its due role,to explore the reasons,this article,from a view of P E health insurance company products to analyze the existing problems in the development of its and way to solve.The article combs the existing literature of commercial health insurance and social medical insurance,then classifies them according to the research angle.Discusses the multi-level medical security system,from the safeguard scope,granting the proportion of reimbursement,providing medical services,etc.,using the method of comparative analysis,analyze the current market situation,to find health insurance market a series of problems in the operation process;Finally with P health insurance company’s main product is also millions of medical insurance market E products as the research object,the star product of case analysis,through the study of the advantages and disadvantages of the products,to deepen the understanding of the practice of the current products in the health insurance market;In addition,research on the advantages,opportunities,existing problems and potential threats to the development of commercial health insurance in the internal and external environment of the market;To summarize the current market changes and forecast the future trend,put forward Suggestions for improvement.By studying the connection between commercial health insurance and social medical insurance,this paper explains why the development of commercial health insurance is conducive to the establishment of a multi-level medical security system.To suggest improvements for commercial health insurance companies;The research on the development of commercial health insurance provides a kind of thinking for reference. |
