Study On The Operation Mechanism Of Commercial Insurance Participating In Health Poverty Alleviation

Healthy poverty has always been the leading factor that makes it difficult for the poor to escape poverty.To this end,the government vigorously develops the cause of healthy poverty alleviation,and has made great contributions to safeguarding the health needs of the poor and promoting economic development in poor areas.However,with the complexity of the causes of poverty and the changing situation of poverty alleviation in the new era,the problem of health and poverty facing the poor is still severe,and the government is increasingly facing problems such as heavy financial burdens and low efficiency in poverty alleviation.The government's implementation of healthy poverty alleviation is no longer applicable.At the same time,the concept of great health has continued to spread.China's commercial insurance has grown stronger and is playing an increasingly important role in helping the poor.As the main body of health poverty alleviation,which is different from the government,commercial insurance has unique advantages in participating in health poverty alleviation.Therefore,it is of great significance to study the operation mechanism of commercial insurance in health poverty alleviation.By sorting and summarizing domestic and foreign commercial insurance participation in health poverty alleviation literature,this article clarifies the important theoretical supporting role of government failure theory,new public management theory and collaborative governance theory for commercial insurance participation in health poverty alleviation,and the government-led health poverty alleviation cause has become increasingly weak The problem is that the essential attributes of commercial insurance are highly compatible with the concept of health poverty alleviation.Policy support and the advantages of commercial insurance constitute the practical basis for commercial insurance to participate in health poverty alleviation.Through the national and local level policies,the important role of commercial insurance in health poverty alleviation is clarified,and the basic path of domestic commercial insurance participation in health poverty alleviation is summarized.This article takes Changsha Ningxiang City as an example,based on the current status of commercial insurance participation in health poverty alleviation in Ningxiang City.To study the operation mechanism of commercial insurance participating in health poverty alleviation,and to analyze the operation logic,specific practices and achievements of commercial insurance participating in health poverty alleviation by taking the "Poverty Alleviation Poverty Protection" of Ningxiang City as a case study,but due to internal and external factors,health insurance Insufficient product supply,low level of specialization,inadequate institutional mechanisms,lagging in information construction,low health poverty alleviation recognition,and weak health insurance protection awareness have restricted commercial insurance participation in health poverty alleviation to a certain extent.Accordingly,from the three levels of government,commercial insurance and the poor,the mechanism optimization path of commercial insurance participation in health poverty alleviation operation is proposed,in order to provide reference suggestions for consolidating and improving the effectiveness of health poverty alleviation in China.