Study On Coordination Degree Of Urban Medical Insurance Composite System In China

Since the reform and opening up,our people’s demand for medical and health service is changing tremendously with the development of China’s economy.At present,China’s medical security system mainly includes preventive health care,medical insurance and medical assistance.The medical insurance system includes the urban medical insurance and the rural medical insurance.This paper is doing a research on urban medical insurance system,which includes the commercial medical insurance system and the social medical insurance system.The first stage of China’s medical insurance system is from 1978 to 1998,during this time,our country did a continuous exploration and piloting.In this 20 years,China has continuously reformed and innovated,trying to find out a complete and effective medical security system.The second stage is in the 1998,this year the State Council issued the "State Council on the establishment of urban workers basic medical insurance system decision",which also marks the basic establishment of urban medical insurance system.The third stage is from 1999 to 2006,during which our country comes up the same emphasis on supplementary,names commercial medical insurance,as well as the development of social medical insurance for the first time.From 2007 to date is the fourth stage,this time,China mainly expanded the coverage of urban basic medical insurance,and urban residents on the pilot medical insurance.By summarizing the existing literature,it can be found out that the existing research on urban medical insurance system is mainly about the status quo and existing problems of its two components,namely commercial medical insurance and social medical insurance.From the result of all this research can also be seen,there are many problems between the two systems of China’s commercial medical insurance and the social medical insurance,scholars have also made some improvement suggestions on this issues.At the same time,some other scholars put forward some different opinions on what kind of medical insurance system should be established in China.But by now,what is the most effective ways for commercial medical insurance and the social medical insurance to connect each other is still on the debate.This paper adopts the cooperative system coordination,the commercial medical insurance and the social medical insurance are the two subsystems of the urban medical insurance.The life insurance the premium income,the health insurance premium income,the personal accident insurance premium income,the basic medical insurance premium income,the participate in urban worker and the town residents at the end of the year,is the six indicator to measure the entire system.Finally,we select the relevant data from 2007 to 2015 to conduct an empirical analysis.The results show that China’s urban medical security system is currently and will be in a long period in the reluctantly coordinated development stage,while the urban resident medical insurance is facing the new challenges of population aging and urbanization process.In addition,the commercial medical insurance market share is still too low,the development is also imperfect.