Analysis On Influencing Factors Of Commercial Health Insurance Development In Jilin Province

As an important part of the medical security system,commercial health insurance is a supplement to basic medical insurance and plays a vital role in solving people’s health problems.China’s commercial health insurance started relatively late,and the overall level of the developed countries has a certain gap.In recent years,the state attaches great importance to commercial health insurance,and has promulgated a series of insurance policies and regulations such as "National Ten Articles" and "New National Ten Articles".The government of Jilin Province has also responded positively to the national call to upgrade the commercial health insurance to the national strategic level,which provides favorable guarantee for the development of commercial health insurance.Generally speaking,under the good environment,the development of commercial health insurance in Jilin Province has not reached the expectations,and there is still a lot of room for progress.It is urgent to find a right way for the development of commercial health insurance.Therefore,by analyzing the current market situation of commercial health insurance in Jilin Province,this paper finds that there are moral hazard and adverse selection,inadequate government support and high compensation rate in the commercial health insurance market of Jilin Province.Based on the qualitative research of the previous paper,this paper conducts quantitative research,collects relevant economic data of eight prefecture-level cities and one Autonomous Prefecture in Jilin Province from 2010 to 2017,and uses panel data.Empirical analysis of the data model shows that the increase of residents’ income significantly promotes the development of commercial health insurance.The health status of residents has a positive impact on commercial health insurance.The economic development has a significant impact on commercial health insurance.The awareness of residents’ insurance can effectively promote the development of commercial health insurance.Social medical insurance has a positive impact on commercial health insurance.Aging and urbanization have no significant impact on commercial health insurance.Combining with the empirical results,I think we should take measures to promote the development of commercial health insurance in Jilin Province,such as developing economy,publicizing health insurance related knowledge and actively developing new health insurance products.