A Study On The Factors Affecting The Development Of Commercial Health Insurance In An Hui Province

Commercial health insurance is very important in the medical insurance system,which can protect the health of residents.But when the medical insurance system was just built,China’s development in all aspects was relatively backward.The government can only provide basic health protection for residents.Health insurance is slow because it is not valued by the government and residents’ insurance consciousness is weak.In recent years,China’s rapid development in all aspects,residents’ awareness of insurance has brought opportunities for the development of health insurance.The state has also actively introduced a series of insurance policies and regulations to help it develop.Anhui Provincial Government is very active in the development of health insurance industry.The research tries to promote the development of commercial health insurance in Anhui Province.Based on the study of the present situation of commercial health insurance in Anhui Province,the author finds out the characteristics of its development,and consults a large number of domestic and foreign literature to understand the development course of developed commercial health insurance market abroad.Based on the extensive reading of the literature,the author selected 7 representative indexes and established panel data from 15 prefecture-level cities-level cities of Anhui province from 2009 to 2019.The following conclusions were obtained: per capita disposable income of urban residents,Degree of social medical and health security,insurance density,that is,residents’ insurance consciousness,regional GDP、 aging degree and commercial health premium income,which can promote the development of commercial health insurance in Anhui province.The inflation rate is inversely proportional to the premium income of commercial health insurance,which will inhibit the development of commercial health insurance in Anhui Province.The impact of urbanization level on the growth of premium income of commercial health insurance is not significant.Combined with the empirical results,this paper gives corresponding suggestions from four levels: insurance company,government,medical market and consumer,hoping to promote the development of commercial health insurance in Anhui Province.