Evaluating Of Health Insurance Operating Efficiency And Its Influence Factors

With the "Great Health" being recognized as a hot topic in society,"Live a healthy,wonderful life" gradually becomes the common pursuit of the public.Meanwhile,health insurance plays an increasingly important role in preventing medical health risks,alleviating social contradictions,as well as improving the quality of life and life expectancy,named "risk stabilizer" in society.Additionally,the operational efficiency of health insurance which can reflect the social security effect and social recognition of the whole society has attracted the attention of many specialists.However,the operational efficiency will be affected by macro-policies and micro-factors,and thus exploring from two levels can be helpful to reflect the current operating situation of health insurance in China more effectively.In addition,We can also improve it from various subdivisions,so that health insurance can be more universal and able to serve more people.Firstly,this article summarizes the background and existing problems of health insurance in China,collating the research results of predecessors in this field with some drawbacks.Secondly,this paper analyzes the general situation and efficiency where contains the current types,business model,main corporations and its quantity of health insurance from 1999 to 2018 in China.At the same time,we learn the total premium,the amount of compensation and the rate of compensation to observe the current operating efficiency profile.Thirdly,it summarizes and combs the relevant theories to select and evaluate which theories are suitable for the final research goal,and then carries out analysis and calculation from macro and micro levels.Based on the data of health insurance operation from 1999 to 2017,Solow residual method is used to measure the efficiency of macro health insurance.The results show that the operating efficiency of the whole industry has been declining continuously in recent years.Then,the window-SBM model is used to identify the operation problems existing in the micro-supply side of the enterprise,and the relevant indicators are selected for research and analysis.The results reflect that due to the dramatic decline in pure technical efficiency,the overall efficiency is significantly reduced,and the decline of professional health insurance companies is the greatest.Then,based on the existing efficiency values,the factors affecting the operational efficiency of health insurance are analyzed from macro and micro levels.At the macro level,we use Chow test to explore the impact of policies on the operational productivity of health insurance and its size.At the meantime,the panel data is constructed at the micro level,and the Tobit method is used to study the influencing factors of demand side.The results tell that the development policy of health insurance in China has a significant impact on operational efficiency.The operation of enterprises will be enhanced by labor input,operating years and types of enterprises,as well as assets,market size and headquarters address.However,the relationship between efficiency and staffs educational level is not significant.Finally,this art provides relevant suggestions to improve the efficiency of health insurance business,expand the coverage rate of health insurance and protect the population.