Research On The Development Of "Jincheng·Hui Medical Insurance" In Lanzhou City

With the changes in the disease spectrum,the diversification of medical needs,the increase in per capital disposable income,and the deepening of the country’s emphasis on people’s health,health security has higher requirements.However,China’s multi-level medical security system cannot meet the growing needs of the people for health protection.Under this background,urban customized commercial health insurance is an exploration of commercial health insurance to help implement the Healthy China strategy and improve the multi-level medical security system.The development of the insurance is extremely rapid.In March2021,Gansu Province launched the province’s first urban customized commercial medical insurance,"Jincheng Hui Medical Insurance",with Lanzhou City as a pilot.The Insurance has achieved certain results in its development,but there are also many problems.Therefore,this article focuses on the development of "Jincheng Hui Medical Insurance".This article first defines the concept of urban customized commercial medical insurance and discusses relevant theories.Then,based on the development background of the insurance and the current situation of China’s multi-level medical security system,it explains the attributes and corresponding functional positioning of the insurance.Then,it analyzes the development status of "Jincheng Hui Medical Insurance" from six aspects,The plan has achieved certain results in the implementation process,including opening a personal account for medical insurance participation,creating a "one-stop" claim settlement model,achieving coordinated development between the government and the market,and improving management efficiency.At the same time,there are still problems with unclear rights and responsibilities of participants,insufficient actual protection,low participation rate,death spiral,and insufficient information disclosure in the current "Jincheng Hui Medical Insurance".Therefore,the following article uses the case analysis method to explore the implementation experience of "Huhui Insurance","Zheli Insurance " and other products.Based on the above research and experience,relevant suggestions are proposed for the development of "Jincheng Hui Medical Insurance" : clarify the government’s positioning and promote the integration of social and commercial cooperation;Clarify the key points of guarantee and improve service quality;Consolidate the supervision and management mechanism and improve regulatory efficiency.