Analysis Of The Impact Of Chinese Medical Insurance On The Health Of Middle-aged And Elderly People

Since the 21st century,the proportion of the elderly population in China has been increasing year by year,and the aging population has gradually become a concern of people.As the middle-aged and elderly people who need to be paid attention to,they have high demand and requirements for medical services and become the key object of medical insurance and medical security services.However,due to several reasons,there are still many problems in China’s medical insurance system,which need to be further improved and optimized.Therefore,under the background of population aging,it is of great practical significance to study the influence of China’s medical insurance on the health level of the middle-aged and the elderly.As a feedback,it can provide constructive Suggestions for further improving the medical insurance system.In recent years,under the promotion of the government,China’s basic medical security system is actively developing and constantly reforming.As a core part of the medical security system,improving the coverage of basic medical insurance can improve the residents’ access to medical and health services,so as to promote the improvement of residents’ health level and social equity.In addition,commercial health insurance,which has been maturing in recent years,should also be taken seriously.With the increasingly mature management of commercial insurance institutions,they began to not only develop commercial medical insurance,but also focus on the new mode of insurance combined with health management,actively change into a new mode of medical insurance,and make efforts to promote and promote social medical services,so as to promote the improvement of residents’health level.However,whether all kinds of medical insurance are conducive to the improvement of the health level of the middle-aged and the elderly needs to be further explored.China’s medical insurance system model based on the social insurance of primary medical treatment is given priority to,the commercial medical insurance as a supplement,this mode of basic medical insurance and commercial medical insurance have significantly influence on whether the elderly population health,whether both play the role of the complement and promote,this paper is to study the problem,based on this,this paper introduces the foreign and China’s current situation of the development of medical insurance and the system model and on the basis of current situation of the development of China’s medical and health,has analyzed our country medical treatment insurance premium scale change trend and medical insurance are insufficient and can be improved.Subsequently,the correlation between medical insurance and residents’ health is analyzed theoretically,which lays a theoretical foundation for the empirical analysis in the following paper.In the empirical analysis part,choose the "health and pension in China tracked" cross section data of 2015 samples of 12444,whether to buy medical insurance as the independent variable,while the control variable is set to the family characteristics and other factors of the individual,set the self-reported health,ability of daily life(ADL),the number of chronic diseases,illness and hospitalization as dependent variable,adopt the method of add cross variables,by EViews9.0 estimates,Mainly studied whether for different types of medical insurance for middle-aged and old people health level,the influence of commercial medical insurance can on social basic medical insurance for middle-aged and old people health level,such as a few problems,the basic conclusions are insured social insurance of primary medical treatment can improve the level of health,the commercial medical insurance effect is not significant.Based on the above conclusions,this paper puts forward relevant Suggestions.The government and relevant departments should continue to actively promote the reform of medical insurance system,gradually improve the basic medical insurance system,and give full play to the positive role of basic medical insurance in the improvement of residents’ health conditions.At the same time,efforts should be made to optimize the medical environment and ensure the efficient operation of medical insurance.In addition,we should give full play to the complementary advantages of commercial insurance,actively develop and promote commercial medical insurance,and establish a more reasonable medical insurance system that is suitable for China’s economic development level and individual health needs.