Study On China's Commercial Health Insurance Development Strategy

Since the reform and opening up,China has been exploring medical security.At present,a relatively complete social health insurance system covering urban and rural residents has been established.However,with the rapid economic development,this kind of “low-level,extensive coverage” The basic model can no longer meet people's diversified health protection needs.Although in recent years,China's commercial health insurance has made great progress and its position in the national medical security system has also been greatly improved,the role as supplementary protection cannot be replaced.For example,medical expenses are over capped,and high-tech transplantation costs are incurred.The requirements that are not dealt with in the social basic medical security system,such as imported special drugs,can be effectively addressed.However,in the process of development in China,commercial health insurance is also faced with problems such as inadequate functioning,low level of specialization,weak support cost control,and weak risk control capabilities.In the face of this dilemma,the purpose of this paper is to summarize the theoretical achievements,experience of the development of domestic and international commercial health insurance,and to explore the general laws of the development of commercial health insurance in China by studying advanced commercial health insurance in developed countries.To analyze the commercial health insurance development status and existing problems in China,hoping to find a way to accelerate the development of China's commercial health insurance,in order to guide and promote China's commercial health's further development in depth.The paper is divided into six parts:The first part of the paper is the background and significance in the research,which shows that China has stepped up its efforts to develop commercial health insurance.The second part is the introduction of commercial health insurance,describes the basic concept,content characteristics of commercial health insurance,and the main differences between commercial health insurance and social health insurance.The third part is the history and status quo of the development of commercial health insurance,describes the different stages and characteristics of the development of commercial health insurance in China,and summarizes the current development characteristics of China's commercial health insurance.Next,the fourth part is the problems in the development of China's commercial health insurance.The fifth part is analysis and enlightenment of foreign health insurance.By comparing the three models of the three representative countries of the United States,Germany and the United Kingdom,we can realize the reference significance for the China's development on commercial health insurance strategy.The sixth part is the suggestion of the development strategy on commercial health insurance.It advocates further strengthening the legal status of commercial health insurance,strengthening the government's supervision and supervision functions,vigorously encouraging industry innovation,and deepening the residents' correct understanding of commercial health insurance.Data advantages and other content.