Research On Promotion Of Tax-Based Health Insurance Market In Henan Province

Commercial health insurance is an important part of China's multi-level medical security system.In the past ten years,China's commercial health insurance has developed steadily,showing a steady growth trend as a whole.However,from the development index of commercial health insurance,it increased from 60.6 in 2017 to 63.0 in 2018.Although it showed a growth trend,the overall development is still at the basic level.From international experience,tax incentives are the driving force for the rapid development of commercial health insurance.China's commercial health insurance market needs more preferential policies and effective safeguard system to encourage supply and stimulate demand.In 2014,the State Council promulgated relevant policy opinions,clearly pointing out the need to improve the fiscal and taxation policies of health insurance,and on January 1,2016,the pilot work of personal tax preferential health insurance business was officially launched.As one of the pilot projects of tax-based health insurance in Henan Province,the promotion of tax-based health insurance will affect the development of the future health insurance market in Henan Province,so it has attracted attention from all walks of life.After more than one year of pilot work and one year of national promotion work,the overall promotion effect has not reached the market expectations.In this context,it is of great significance for the further development of tax-based health insurance in Henan Province to study the specific problems existing in the market promotion of tax-based health insurance in Henan Province and put forward corresponding countermeasures and suggestions.Based on the development status of tax-based health insurance in Henan Province,this paper first analyses the necessity of vigorously promoting tax-based health insurance.Compared with non-tax premium health insurance products,tax premium health insurance products are quasi-public welfare products,which have great significance in alleviating the burden of basic health insurance,improving the level of security and releasing the market demand of health insurance.Secondly,through market survey,this paper understands the awareness and attitude of the demand side and the supply side of tax premium health insurance in Henan Province.There are differences and misunderstandings in the aspect of degree.According to the collected data analysis,consumers' intention to insure and insurance companies' sales situation are analyzed.Thirdly,according to the survey results and market situation,the problems and reasons of the tax-based health insurance in Henan Province are analyzed in terms of policy and people's conditions.Finally,it is proposed for the efficient and comprehensive promotion and application of tax-based health insurance in Henan Province.Suggestions and countermeasures are put forward to explore how Henan Province should respond to the needs of consumers,improve the enthusiasm of relevant insurance enterprises,formulate tax preferential policies in line with the conditions of Henan Province,and improve the product design and management of tax-based health insurance.The innovation of this paper is that through the two-dimensional perspective of the supplier and the demander of tax-based health insurance,we understand the problems of promoting the development of tax-based health insurance in Henan Province,and put forward corresponding countermeasures and suggestions.However,the promotion time of tax-based health insurance in Henan Province is relatively short,and the receipts collected are limited.The research on the promotion process of tax-based health insurance can only be based on qualitative analysis,supplemented by quantitative analysis.With the in-depth development of tax-based health insurance business,more detailed research on tax-based health insurance in Henan Province can be carried out with constantly updated information and data in order to improve the above shortcomings.