Research On The Development Path Of Urban Customized Commercial Medical Insurance In Shanxi Province

In October 2016,the Central Committee of the Communist Party of China and the State Council issued the Outline of the "Healthy China 2030" Plan,which put forward the requirements of fully promoting the construction of a healthy China and improving the health level of the whole country.Under the healthy China strategy,people’s awareness of insurance is increasingly strengthened,and urban customized commercial medical insurance,as a part of the connection between medical insurance and commercial health insurance,has exploded.Urban customized commercial medical insurance,commonly known as "benefit insurance" in the industry,is a supplementary medical insurance that is guided by local governments and relevant departments,operated by commercial insurance companies,and connected with basic medical insurance.It is a new exploration to meet the needs of the current development of China’s medical security system.It has the characteristics of low insurance threshold,affordable,and high coverage.On the basis of summarizing the existing problems of the current medical insurance system,this paper comprehensively analyzes the development,business model,comparison with millions of medical care,opening of personal medical insurance accounts and other empirical analysis of China’s urban customized insurance based on the characteristics of universal,diverse,professional and humanized urban customized insurance,and the two products currently on the market in Shanxi Province and the market situation of Shanxi’s urban customized commercial medical insurance,Combined with the problems and challenges existing in the current urban customized commercial medical insurance,such as the homogeneity of product design,the lack of scientific and reasonable pricing,sustainable development,publicity,high deductibles,and relatively lagging supervision,through the analysis of typical cases,explore the development path of the urban customized commercial medical insurance business in Shanxi Province,and draw relevant conclusions.According to the above ideas and methods,drawing on the development experience of basic medical insurance and commercial health insurance,this paper believes that in the future development of urban customized commercial medical insurance,the government and relevant departments should strengthen their participation and take various measures to expand the coverage.At the same time,the medical insurance department should actively open the medical insurance personal account to purchase the customized commercial medical insurance products in the city,and realize the "one-stop" settlement with the basic medical insurance,serious illness insurance,and medical assistance.It is necessary to combine the actual "customized" products in Shanxi,set a reasonable product fee rate,strengthen the compliance publicity from multiple dimensions,and improve the development path conclusions and suggestions of the relevant regulatory system as soon as possible.