A Research On Commercial Medical Insurance’s Participation In China’s Social Medical Insurance

Commercial insurance’s participating in medical insurance is one of the key developmentof the insurance market in modern society, it essentially reflects the complementary roleplayed by market economy. Although commercial insurance differs from social medicalinsurance in many respects, the fundamental purpose of it is consistent with social insurancepolicies. In order to improve the social security system and to promote the sound developmentof the insurance industry, commercial insurance is the properest way to make it. In manyregions of China lack of coordination of commercial insurance and social insurance has agreat impact on the improvement of economic development and social stability. The SocialSecurity Systems in developed countries are relatively mature based on the better materialstandards of living and higher medical insurance quality, so it is wise for us to learn fromthem, and according to the practical national conditions of China, to carry out specific policiesfor commercial insurance’s participating in the social medical insurance.There are seven parts in this dissertation. The first part is mainly about the backgroundand significance of commercial insurance’s participating in the social medical insurance, andthe current researching degree in this field both overseas and at home, and the academicmethods and creative points of this dissertation. Chapter One offers the theoretical evidenceof commercial insurance’s participating in social medical insurance. Chapter Two based onChapter One analyses the development and current situations of social medical insurance andcommercial insurance’s participating in social medical insurance, then puts forwards thenecessity and feasibility of commercial insurance’s participating in social medical insurance.Chapter Four and Chapter Five respectively focus on the international and Chinese modes ofcommercial insurance’s participating in social medical insurance.The last chapter proposesconcrete policy recommendations of commercial insurance’s participating in social medicalinsurance in term of both government and commercial insurance companies, and theexpectations of the harmonious cooperation between commercial insurance and socialmedical insurance.