Research On Commercial Health Insurance And Basic Medical Insurance And Effective Connection

Objective: With the significant improvement of people’s living standards,China’s economic development has gradually shifted to high-quality development trends.Basic medical insurance can no longer meet people’s higher-level health needs,and commercial health insurance has gradually become an important part of the multi-level medical security system.The complementary and effective connection between commercial health insurance and basic medical insurance is of great practical significance to accelerate the construction of a multi-level medical security system and promote the implementation of the "healthy China" strategy.In this context,this article analyzes the internal mechanism of commercial health insurance and basic medical insurance based on the theory of fairness and efficiency,government and market theory,and system coupling theory.The complementary connection effect,combined with practice analysis of the development of my country’s commercial health insurance and basic medical insurance,and exploring the main factors affecting the effective connection between the two,and providing a basis for the effective connection of commercial health insurance and basic medical insurance.Methods: This article is based on the research samples of 30 provinces,autonomous regions,and municipalities in Chinese mainland.Based on the two research perspectives of time dimension and spatial dimension,based on literature research,build the complementary effect evaluation indicators of commercial health insurance and basic medical insurance The system,use the entropy value method to obtain the index weight of the time series and the space sequence,respectively;use the coupling collaborative scheduling model to measure the complementary connection effect of commercial health insurance and basic medical insurance in the area;The spatial pattern characteristics,on this basis,calculate the difference between the connection effects and its sources of the connection effect through the Dagum Kini coefficient and its decomposition method;finally introduce the main factors that affect the complementary effects of the two in geographical detector models,to promote commercial health to promote commercial health The effective connection between insurance and basic medical insurance puts forward countermeasures.Results:(1)The complementary effects of commercial health insurance and basic medical insurance between my country and 2020 have shown a staged upward trend nationwide,and the absolute differences have gradually narrowed,but the overall connection effect still has great room for improvement;(2)Within the region,the connection effect of the two has a significant difference.The connection effect in the eastern region is far greater than that of the central and western regions,and the complementary connection effect of the three major regions is still at a lower level.Among them,the absolute differences between the eastern regions have gradually increased,and the absolute differences in the central and western regions have improved significantly;(3)In the provincial area,the complementary effects of commercial health insurance and basic medical insurance have initially formed a large and strong,strong,strong,strong and strong,strong,strong and strong,strong,strong,strong and strong,strong,strong and strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,strong,and strong,strong,strong,strong,and strong,strong,and strong,strong,and strong,and more powerful,more powerful,and more powerful,and it is super large.The balanced development pattern of the balanced development of the remaining provinces and cities,and there is a positive correlation between the space between provinces and cities,showing a "high-value-high value" or "low-value-low-value" space gathering distribution;(4)economic and market factors Together with social factors,the connection effect of commercial health insurance and basic medical insurance.Among them,consumption potential,insurance company scale,economic level,and industrial structure are the first core factor,and the economic level,consumption potential,industrial structure,medical insurance scale,medical care,medical care The cost of expenses and insurance companies is the common factor that affects the effective connection between the two in different periods.In the end,the economic factors are dominant,market factors are guarantee,and social factors are the laws of basic.In the interaction,the driving effect of the dual-factor interaction is higher than the single factor.Conclusion: The effective connection between commercial health insurance and basic medical insurance is essential for the construction of a multi-level medical security system.The government should balance the development scale of the two,clarify the relationship between the government and the market,distinguish between the border between the two,continuously innovate the connection model of the two,and explore the reasonable mechanism of the development of the two;Industrial policies,tax preferential tax policies and fiscal subsidy policies in the western region,the uneven phenomenon of the connection effect between the two between regions;formulate differentiated development strategies according to local conditions,make full use of regional advantages to realize the balanced development of commercial health insurance and basic medical insurance complementarity development;Strengthen the publicity of commercial health insurance,change the stereotype of residents’ stereotypes for commercial health insurance,and improve the insurance awareness of residents;insurance institutions must actively develop diversified and high-level commercial health insurance products.