Study On Supply And Demand And Demand Gap Of Commercial Health Insurance

The value of life cannot be measured,and health is the basis of life.Without health,the continuation of life will be hindered.The emergence of health insurance enables people to obtain future medical services at a lower economic cost.Commercial health insurance can provide more personalized and comprehensive health protection for individuals through economic means.Vigorously developing commercial health insurance is not only an important part of building a "multipillar" medical security system,but also an inherent requirement of promoting the national strategy of "healthy China".China's social medical insurance has basically achieved full coverage,but the low level of protection has stimulated residents' strong desire for commercial health insurance.Although China's commercial health insurance has been rapid development,but the overall level of development is still not high,whether from the perspective of demand or supply there is a lot of room for development.On the basis of studying a large number of scholars' theories on insurance supply and demand,this paper analyzes the commercial health insurance demand of Chengdu residents from the perspective of overall and group classification through field survey data,truly reflecting residents' health insurance willingness and practice.This paper also makes a specific analysis of the disease insurance products on the market at present,obtains the supply situation of the products,combined with the demand analysis using the Grey Model for Chengdu commercial health insurance is forecasted demand scale and supply scale,measure the commercial health insurance demand gap and disequilibrium degree,get conclusion there is demand gap,to ease the commercial health insurance is given disequilibrium between supply and demand state of countermeasures and Suggestions.The article is divided into six parts.The first part is the introduction,including the research background and significance,the research summary,the research content,the research method,the innovation point and the deficiency.The second part is the theoretical basis of the research on the supply and demand of commercial health insurance.This chapter defines the demand,supply and demand gap of commercial health insurance,and then introduces the nonequilibrium theory and grey model theory used in this paper,which provides theoretical support for the following research and analysis.The third part is the demand analysis of commercial health insurance.This chapter analyzes the commercial health insurance needs of urban and rural residents in Chengdu from the perspective of the whole group and the classified group with real survey data.The Logit model is used to further verify the preliminary analysis results and obtain the commercial health insurance needs of urban and rural residents in Chengdu.The fourth part is the supply analysis of commercial health insurance.This chapter analyzes the supply situation of commercial health insurance from two aspects of insurance supply structure and insurance supply capacity.Among them,the insurance supply structure is analyzed in detail from the Angle of the insurance product structure and the insurance market structure.In addition,a multiple linear regression model is established,and it is found that the number of health insurance products,registered capital,operating effect and established time of insurance companies all have a significant impact on the effective supply of commercial health insurance.The fifth part is the commercial health insurance demand gap measurement.In this chapter,based on the unbalanced theory,the GM(1,1)model is used to analyze and predict the demand scale and supply scale of commercial health insurance in Chengdu,and the unbalanced model is established to calculate the demand gap of commercial health insurance,and the conclusion is drawn that there is a demand gap in the commercial health insurance market in Chengdu.The sixth part is the summary and suggestions.This chapter has sorted out the current problems in the demand and supply of commercial health insurance market,and combined the above analysis conclusions to give Suggestions on alleviating the unbalanced state of commercial health insurance market from the perspectives of demand side,supply side and society.