Investigation And Study Of Farmers Commercial Medical Insurance In Chengdong Town Of Hai’an City

On February 21,2021,the State Council issued the 21st century to the 18 focus on "three rural" file,the document stressed,to achieve national rejuvenation,rural revitalization,must always solve the problem of "three rural" as the party’s work,always promote the rural revitalization as the road of the great rejuvenation of the Chinese nation must complete an important task,use the power of the party and the whole society to speed up agricultural and rural modernization,let our farmers live a happy life as soon as possible.In today’s social situation,the development of rural medical security directly affects the farmers’ quality of life,therefore,solve the problem of "three rural",promoting rural revitalization and rural modernization cannot perfect rural medical security system,and as a supplement to social basic medical insurance of commercial medical insurance is also very important.Nowadays,the overall development of commercial medical insurance in China is relatively mature,but the medical security system in most rural areas in China is not perfect,and the medical security level of most farmers is low,which leads to a large number of farmers becoming poor due to illness.The research results of the research on farmers ’willingness to participate in commercial medical insurance can effectively enable the government and insurance companies to understand the situation of the willingness of farmers to participate in commercial medical insurance,and try their best to eliminate the factors hindering farmers’ participation in commercial medical insurance,so as to improve the rural medical security system and improve the quality of life of farmers.The research methods of this paper are roughly as follows:questionnaire survey method,literature research method,experience summary method and mathematical statistical analysis method.In this study,332 farmers from Chengdong Town of Hai’an City were selected for the questionnaire survey,After the data recovery is completed,First,based on the descriptive statistical analysis of the recovered data,Preliminary statistical analysis of the recovered data,Then,the survey results were cross-checked and analyzed,Some nonsignificant factors in the questionnaire were screened by cross-over test,Also laying the foundation for the following research hypotheses,Then the empirical study of Logistic model using SPSS statistical software,Finally,the following seven significant factors:family average annual income,whether I or family has a serious illness,whether to agree with commercial health insurance claims amount,reasonable number of children,education,whether to agree with the current commercial health insurance coverage is more expensive and whether to agree with the insurance company claims is slow,Finally,the seven significant influencing factors are discussed and analyzed.Based on the significant influencing factors mentioned above,this paper finally puts forward relevant countermeasures and suggestions to governments,insurance companies and individual farmers to promote the promotion of commercial medical insurance among farmers.