Research On The Development Of China’s Commercial Medical Insurance From The Perspective Of Supply And Demand

In 2017,General Secretary Xi Jinping pointed out in the report of the 19 th National Congress: "The main contradiction in our society has been transformed into a contradiction between the people’s growing need for a better life and the development of inadequate and unbalanced development." For the commercial medical insurance market,this contradiction is also the same.Be applicable.Although China has already established a social medical insurance system,its level of protection is limited based on its characteristics of wide coverage.With the economic growth and the aging population,the social medical insurance system is far from meeting the needs of residents for medical security.Commercial medical insurance is more capable of providing market-oriented support for socially demanding medical needs and huge medical expenses.However,the development of commercial medical insurance in China is not always smooth.The rapid development of commercial medical insurance can not only play the role of social management,but also play a complementary role in China’s multilevel medical security system.But looking at the development of domestic commercial medical insurance,we can find that there are still many problems.First of all,domestic residents have a large potential demand for commercial medical insurance.As the most necessary commercial insurance for residents,their effective demand has not been fully tapped.Secondly,the supply of commercial medical insurance is insufficient,product development is backward,homogeneity is strong,and medical services are provided.The lack of supply makes consumers with potential needs not translated into effective demand.At present,there is a serious contradiction between supply and demand in commercial medical insurance on the market.This paper takes commercial medical insurance as the research object,and studies the current imbalance between supply and demand in China’s commercial medical insurance from the perspective of supply and demand.In addition,through the demand questionnaire survey to understand the needs and cognition of consumer commercial medical insurance products,and finally promote China’s commercial medical insurance supply meets demand and promotes the development of balanced supply and demand.The research ideas of this paper are as follows:The first chapter is an introduction.Firstly,the background of the writing of the thesis is expounded.Secondly,the literatures at home and abroad are studied and combed,and then the research contents and methods of the thesis are introduced.Finally,the possible innovations and deficiencies of the thesis are explained.The second chapter is the basis of commercial medical insurance and research.First of all,the positioning of commercial medical insurance is a classification of health insurance,a supplementary insurance in China’s medical security system,and at the same time analyzes its role in the medical security system.Finally,in this chapter,the author analyzes the economy.Several theories of learning are applied in the commercial medical insurance market and the related concepts are explained.The third chapter is the analysis of the demand for commercial medical insurance in China.First of all,through the analysis of each group of data,the author finds that residents’ potential demand for commercial medical insurance increases,but their effective demand is still insufficient.Secondly,the author analyzes residents’ perceptions and needs about commercial medical insurance through questionnaires from others and questionnaires surveyed by themselves.Residents have begun to pay attention to the insurance protection function,but there are still many residents who do not use insurance as a risk aversion tool.In addition,many residents think that commercial insurance will be considered first in the order of purchase of insurance,but residents are not familiar with commercial medical insurance products,and their awareness of products is not high.The fourth chapter is the analysis of the supply of commercial medical insurance in China.In this chapter,we mainly analyze the development status of commercial medical insurance products and services in China,and find that its products are gradually subdivided,and the content of protection is more and more comprehensive,but there are also some problems,such as strong product homogeneity and consumers.Insufficient discrimination,strict health notification,etc.For the study of the service of commercial medical insurance,the author finds that the difficulty of claim settlement is still a problem that needs to be solved.In order to expand the scope of business,improve the supply of medical services,and enhance market competitiveness,insurance companies are entering the medical industry.The fifth chapter is the analysis of the imbalance between supply and demand of commercial medical insurance in China and its causes.Firstly,it analyzes the performance of the imbalance between supply and demand of commercial medical insurance from three aspects: market data,insurance company’s claims data and medical insurance claims cases.Secondly,it analyzes the reasons for the imbalance between supply and demand.At present,the main problem in the development of commercial medical insurance is the unbalanced development between effective demand and effective supply.Residents’ perception of their own risks is still insufficient,and demand differentiation is gradually emerging.However,insurance companies fail to effectively tap the needs of consumers,product innovation is insufficient and can not effectively distinguish different consumer groups,resulting in insufficient effective supply.The sixth chapter is the development trend and recommendations of China’s commercial medical insurance.To balance the development of supply and demand for commercial medical insurance,the author proposes the following:First,we need to improve the external environment of development.Government departments need to increase policy guidance,improve residents’ awareness of commercial medical insurance,improve national policies and laws and regulations,and clarify the status of commercial medical insurance from the legal level;secondly,improve supply and improve service quality.Insurers need to strengthen their risk management and control capabilities and improve their medical services.They can achieve the purpose of preventive control by establishing health management services and strengthen the cooperation with medical institutions to achieve risk control.In addition,market segments and differentiated design products are required.In addition,it is necessary to improve claims efficiency and operational management efficiency,and expand and develop digital channels to provide consumers with various insurance information.Finally,we need to promote the improvement of consumer demand.Consumers first need to raise their own risk awareness,choose products that suit their needs according to their own needs;at the same time,they should learn more about insurance,so that they can understand the contents of insurance contracts and purchase commercial medical insurance products rationally;they must be insured and insured when purchasing.The company truthfully informs its own situation and jointly safeguards the healthy development of the insurance industry.Possible innovations in the paper are:First,the innovation of research perspective.In the past,many domestic and foreign scholars have studied from the aspects of information asymmetry,adverse selection,moral hazard and the factors affecting the demand or supply of commercial medical insurance.There are fewer scholars studying the development of China’s commercial medical insurance from the perspective of market supply and demand and the imbalance between supply and demand.This paper analyzes the development status of commercial medical insurance from the perspective of supply and demand.When analyzing the current situation of commercial medical insurance supply,it analyzes the current supply of products in detail,and comprehensively analyzes the current imbalance between supply and demand from the perspective of market to personal security.On the basis of analyzing the development of supply and demand,the proposal to promote the balanced development of supply and demand is put forward.Second,this paper attempts to analyze the development of commercial medical insurance from the perspective of supply and demand through a combination of theory and practice.From the practical point of view,some commercial medical insurance products on the market are sorted and analyzed and found problems,and the current supply of commercial medical insurance can be found.In addition,a questionnaire survey was conducted during the writing process,and many important key data were obtained,such as obtaining data on consumer purchase and cognition status of commercial medical insurance.