Research On Commercial Medical Insurance Participating In The Construction Of China’s Rural Medical Security System

At present,China has entered the sprint stage of building a well-off society in an all-round way and entered the stage of poverty alleviation and decisiveness.Under the guidance of the strategy of “healthy China” and “rural rejuvenation”,in the face of the pressure of economic downside risks and the slowdown of industry premium growth,the guidance and Encouraging commercial insurance companies to actively participate in the construction of rural medical security system is not only the trend of the development strategy of healthy China,but also the cause of winning the fight against poverty.It is also the attempt to seize the market of “new three rural”,and it is also to conquer medical care.The pension market in the health sector is taking advantage of the trend.In the face of the current "economic stability" situation in China,only by grasping the trend of the times,moving forward with the trend,taking advantage of the situation,taking advantage of the trend can seize the rare market opportunities,promote the conversion of new and old kinetic energy,achieve speed-shifting,and transform upgrade.With the reform of China’s new rural cooperative medical care system and the integration of urban and rural residents’ basic medical insurance system,China’s social medical security system has been continuously improved,the coverage of the medical insurance system has been increasing,the content of protection has been continuously enriched,and the scope of protection has been continuously expanded.The three-pillar system is based on social medical insurance,commercial medical insurance and personal savings.However,among the three pillars,the proportion of social medical insurance as the first pillar is too high,but the scope of protection and the amount of protection are relatively fixed and single,and it is still unable to meet the individualized protection needs of residents;and the second pillar of business Due to the low insurance coverage and insurance density underwriting,medical insurance has not fully utilized its role in effectively compensating the economic losses caused by disease risks;therefore,most of the current residents,especially rural residents,are covered by social medical insurance after illness.External expenses are still mainly supplemented by personal savings,which creates economic pressure on residents and is likely to cause poverty due to illness and return to poverty due to illness.This paper reviews the reform process of China’s rural medical security system,analyzes the three pillars of China’s social security system,summarizes the significance of commercial insurance participation in the construction of rural medical security system,and analyzes the US affordable medical bill and medical insurance law draft,German legal medical And the practical experience of nursing insurance,as well as the domestic Taicang “big illness reinsurance” model,Jiangxi “two exemptions and two improvements” + health poverty alleviation supplementary insurance model,Gansu “gap complement” + “hematopoietic” poverty alleviation model,and On the basis of investigations by rural residents,government units and insurance companies,it is concluded that rural residents’ awareness of medical insurance is insufficient,the willingness to participate in insurance is not strong,the medical security system needs to be optimized,and the integration mechanism needs to be improved.This is currently restricting the participation of commercial insurance in the construction of rural medical security system.The three major problems of the combination of the three major problems of restricting the participation of commercial insurance in the construction of rural medical security system,from the perspective of rural residents,the government,and insurance companies,from strengthening publicity and promotion to enhance the awareness of rural residents’ medical security and willingness to participate,improve China’s medical insurance system Improve the level of medical insurance,actively improve the development environment,improve the integration mechanism of commercial insurance and social medical security system,propose improvement measures and suggestions;hope to provide reference for commercial insurance to participate in the construction of rural medical security system,and hope that commercial insurance can The rural medical security system will play a greater role in promoting the realization of poverty alleviation,health for all,and a comprehensive well-off society.