Research On The Effect Of Commercial Insurance Institutions Undertaking Serious Illness Insurance Policy For Urban And Rural Residents In H City

With the rapid development of social economy,the improvement of people’s living standards,the continuous pursuit of a better life,and the demands of health,medical service quality,and medical insurance security level are also constantly strengthened.However,the problem of difficult and expensive medical treatment still remains in our vision,especially for the vast majority of low-income people,High medical expenses still account for an important part of household expenditure.In the battle of comprehensive poverty alleviation,China has carried out various policies to help the poor,and achieved great results.Similarly,in the formulation of a series of policies on serious illness insurance for urban and rural residents,special groups are also fully considered.In addition to the basic medical insurance for residents,the medical security needs of the general public are guaranteed,and there are certain policy preferences and assistance for the special poor.According to the national policy on medical insurance for urban and rural residents,it has been gradually implemented in all parts of the country in combination with the local actual situation,and has achieved certain results.Generally speaking,the implementation situation of each city is basically good.However,in the process of public policy implementation from the state to the local,due to the differences in economic level,population environment,and the scheme mode of local executors,the implementation effect will be uneven,which will inevitably deviate from the original intention and goal of the policy.Therefore,from the micro perspective,this paper takes commercial insurance institutions in H city as the research object,focuses on the relevant units as the research subject,and residents’ feedback as the reference to measure the effect of policy implementation.Based on the theory of welfare pluralism and the economic analysis of quasi public goods,this paper defines the relevant concepts,constructs the evaluation index for the implementation effect of the policy in H City,and conducts empirical research by collecting questionnaires and interviews.It is found that the overall satisfaction of residents is good,but the residents’ health insurance awareness is weak,the policy propaganda is not in place,the participation of commercial insurance companies is low,the financing channel is single,and the construction of information platform needs to be improved.According to the situation of H City,the corresponding countermeasures and suggestions are put forward.