Regional Development Differences Of Commercial Health Insurance In China And Influencing Factors

As an important supplementary part of China's multi-level medical security system,health insurance plays a vital role in improving the level of national health.According to the forecast of the China Insurance Industry Association,based on the average annual growth rate of 37% in the past five years,the national health insurance premium income will exceed one trillion yuan in 2020.The "Health Insurance Management Measures" promulgated by the China Insurance Regulatory Commission in November 2019 provide new opportunities for the development of health insurance,which is of milestone significance.However,the current situation of imbalanced regional economic development in China is still very prominent.The development of commercial health insurance will be affected by the level of economic development.Moreover,the human environment,natural environment,and resource endowments differ from region to region,so there must be regional differences in development.Sex.To clarify the development differences between China's health insurance regions,and analyze those factors that lead to regional development differences,and then proceed from these factors to derive measures to promote the balanced development of commercial health insurance is the significance of the main research in this article.In this article,31 provinces in the country are divided into three areas: east,middle,and west according to the level of economic development.First,we will introduce the current status of commercial health insurance development in China.There are still many problems in the overall development status,such as the small scale of health insurance premiums and health insurance.The overall payout rate is relatively high and the depth of health insurance is low and the density is small.It focuses on explaining the differences in the development of health insurance from the aspects of health insurance premium income,health insurance depth and health insurance density.Then analyze the factors that influence the development of health insurance from the aspects of supply factors,economic factors,social factors anddemographic factors.Based on the above analysis,this article uses panel data,based on data from 2008 to 2018,using the health insurance development index as the dependent variable,per capita disposable income,urbanization level,industrial structure level,per capita medical security fund,medical and health resources,The education level,ageing level,and number of insurance companies were used as independent variables to study the development differences between health insurance regions.The results showed that economic development status,social medical security level,residents' insurance awareness,and ageing level had a significant impact on health insurance.There is a clear positive correlation between uneven development.Due to the phenomenon of pseudo-urbanization,the level of urbanization is negatively related to the development of health insurance areas.This shows that we must adhere to the strategy of differentiated development between regions,improve the level of economic development,optimize the level of industrial structure in the western region,improve the education system,and give play to regional advantages to promote the balanced development of China's commercial health insurance.