Research On The Influence Of Population Aging On The Development Of Commercial Health Insurance In China

With the continuous progress of medical technology and the improvement of average human life expectancy,population aging is an important feature of human development in the 21 century,but the quality of these life extension may not be guaranteed,and sometimes only the time of illness is extended.China is the developing country with the largest population in the world,and also the country with the largest and fastest growing elderly population in the world.The aging situation is becoming more and more severe.According to the international prevailing standards,China entered the society of aging population in 1999.With the acceleration of the aging population,the age structure of insurance coverage has changed,commercial health insurance will be in response to the aging society of medical security problems play an increasingly important role,it can effectively make up the social grassroots medical insurance and the insufficiency,compensation disease brings significant burden to individuals and families and not poor due to illness.Therefore,based on the current current situation of population aging,it is of important practical significance to study the relationship between population aging and commercial demand for health insurance in Shijiazhuang city.This paper is mainly based on the current situation of population aging and commercial health insurance in China,studying the influence of population aging on the demand of commercial health insurance in Shijiazhuang.First of all,this paper discusses the current situation of population aging and commercial health insurance demand,and analyzes the reality of Shijiazhuang city population aging and commercial health insurance,makes clear the aging population by affecting the economic level,family structure,living consumption level,residents’ health insurance consciousness,urban and rural structure,and the corresponding demand for commercial health insurance.Secondly in this paper through the gray correlation degree of empirical analysis,this paper found the relevant yearbook and statistical website for Shijiazhuang city in 2011-2021 related data and on the basis of gray correlation degree analysis,analysis of available urbanization rate and the development of commercial health insurance overall correlation is the largest,the correlation degree is 0.985,shows that the level of urbanization development plays an important role in commercial health insurance market.The association of the elderly dependency ratio and the average family population size with the commercial health insurance was 0.983 and 0.982,showing a high level of association.The correlation between rural residents ’disposable income and medical care consumption expenditure and commercial health insurance in Shijiazhuang city is 0.612 and 0.976,which objectively reflects the continuous development of rural economy and the continuous improvement of farmers’ living standards,and farmers have gradually become the main force of buying commercial health insurance.Urban residents’ disposable income,urban residents’ health care spending and the development of Shijiazhuang commercial health insurance correlation is 0.952,0.387,we believe that although urban per capita disposable income is increasing,but people have little idle funds,real consumption ability is not strong,so cannot form an effective commercial health insurance purchase behavior,shows that improving people’s living standard is one of the important factors in the development of commercial health insurance market.Finally,this paper believes that the aging population of Shijiazhuang,commercial health insurance industry should develop rapidly under the national policy to alleviate population aging health problems,so this paper proposes to improve the product system of commercial health insurance,strengthen social health insurance and commercial health insurance,improve the specialization of commercial health insurance,develop economy and improve urban and rural per capita income,increase policy support and optimize the regulatory system,strengthen the awareness of commercial health insurance to promote the demand of commercial health insurance measures.