Study On The Impact Of Population Aging On The Premium Income Of Commercial Health Insurance In Shandong Province

Population aging has gradually developed into a global problem,which has had a series of impacts on social and economic development.China has stepped into aging since 2000,and the pace has accelerated year by year.In recent years,Shandong Province,as a populous province,the situation of population aging is becoming more and more serious.More attention should be paid to the impact of aging on the development of commercial health insurance.Based on the aging process and the characteristics and relevant data of commercial health insurance premium income in Shandong Province from 2007 to 2019,following the logic of raising questions-sorting out literature-combining theory-Analyzing facts-Empirical Research-putting forward suggestions,this paper analyzes and discusses the impact of aging on commercial health insurance premium,and comes to the conclusion that the dependency ratio of the elderly The average family population and the total population of Shandong Province have a significant impact on the premium income of commercial health insurance in Shandong Province.However,personal disposable income,regional GDP and urbanization rate have relatively little impact on the premium income of commercial health insurance.Although the regional GDP and personal disposable income of Shandong Province are increasing year by year,and the urbanization rate is increasing,the increase of commercial health insurance premium in Shandong Province is not the most important.Therefore,the factors of the growth of premium income,the continuous improvement of the total population and the dependency ratio of the elderly,and the decline of the average family population year by year account for a lot of shares.In view of this,the policy suggestions from the two levels of the government and insurance companies are: from the perspective of the government,we should improve the per capita disposable income,steadily increase the urbanization rate,gradually enhance the residents’ awareness of insurance purchase,and promote the development of commercial health insurance and the coordination and complementarity of commercial health insurance and social insurance through policies such as tax preference;From the perspective of insurance companies,we should increase the supply of commercial health products,explore new cooperation modes of medical institutions,improve the professional operation and service of insurance companies,and strive to standardize the intermediary market of health insurance.