Research Of The Development And Strategic Of Chinese Commercial Health Insurance

Health plays an important role in the social economicdevelopment. Establishing and improving the health protection systemhas become an important policy of the governments to protect the healthof the people. Commercial health insurance is an integral part of thenational health security system. It plays a social risk managementfunction and serves key business areas of the economy and society.Commercial health insurance should play a greater role in the nationalhealth security system. This paper closely elaborates the development ofcommercial health insurance in China, through the development of thetheory and practice of commercial health insurance, analysis of thehistory and current situation of the development of domestic and foreigncommercial health insurance, explore the development path of China’scommercial health insurance. From the law of development of the commercial health insurance,we explored the way for development of commercial healthinsurance. From a theoretical point of view, we summed up the impactof health insurance demand and supply factors, analysised the functionalposition of the commercial health insurance in the medical securitysystem, explored the development law of commercial healthinsurance. We analysised the experiences of countries’ development ofhealth insurance and the incentives for countries to develop commercialhealth insurance, provided a reference for China’s development ofcommercial health insurance. We proposed development strategies andpolicy recommendations for commercial health insurance,with the wishof guiding and promoting the development of commercial healthinsurance.The research of the development path of commercial healthinsurance has important theoretical and practical significance.Firstly, summarize the experiences and lessons of internationalcoutries’development of health insurance. Secondly, the development ofcommercial health insurance has an important guide and reference toChina. Thirdly, in order to face the trend to accelerating the arrival of anaging population, we should achieve the strategic research forsustainable development of the medical insurance system.This paper has seven chapters, the Chapter1is an introduction,Chapters2and3are the theoretical research, the Chapter4talks theinternational experience of the development of commercial healthinsurance, Chapters5and6are China’s current situation and externalenvironment analysis of commercial health insurance, Chapter7isChina commercial health insurance development path.The Chapter1described the research background, purpose andsignificance, methods and thesis structure content.In Chapter2we reviewed basic economic theory of the health insurance, described the definition of health and economics,the generaltheoretical model of health insurance demand, special concept of thehealth insurance needs. We focued on health care needs and demand forhealth insurance.The Chapter3described the functional position of the commercialhealth insurance in the medical security system,and the match patternsand policy incentives; described the functional position of thecommercial health insurance in the medical security system, thecomposition of the medical security system.Commercial healthinsurance plays different roles and status in a different mode of healthcare protection. Wuth sustainable development,the commercial healthinsurance medical security system builders should meet people’s diversehealth protection needs, improve the level of public health protectionand the medical insurance system management efficiency, improve theuse efficiency of the medical insurance fund, promote the rational allocation and utilization of medical resources. By analyzing thespecific practices of the preferential tax policies of the major countriesas well as the group health insurance, individual healthinsurance,freelance health insurance and government medical insuranceprograms and taxation preferential policies of commercial healthinsurance tax incentivesmechanism,we drew the way of preferential taxpolicies for the development of commercial health insurance.Chapter4analyzes the path of U.S. commercial health insurance,the development path of the British and German commercial healthinsurance, we summaried international experiences in the developmentof commercial health insurance. Analysising of the reasons for the sharprise of the world health-care costs, we proposed Governments payattention to the advantage of the commercial health insurance as thereason of compensating for the deficiencies of the social security system,better meeting the diversification of the aging population. The Chapter5focuses on the history and characteristics ofcommercial health insurance market in China, describes the insuranceindustry’s participation in multi-level medical security system, and anoverview of the main problems of the commercial health insurancemarket; we summaried the problems of the commercial health insurancemarket:the limited size of the main problems of commercial healthinsurance market, the low level of professional management and riskcontrol ability needs.The Chapter6analyzes the external environment of commercialhealth insurance; predicts the prospects,analysis of the externalenvironment for the further development of commercial healthinsurance.We proposed that socio-economic development is conduciveto the growth for commercial health insurance demand, so as themedical and health system.Also China’s aging population will affect thedevelopment of commercial health insurance. The Chapter7analysised the development path of China’scommercial health insurance, put forward a few suggestions tostrengthen top-level design of the commercial health insurance.Wedescribed the path of advancing the professional development of healthinsurance.To insurance company,we innovated business model andbusiness development strategy ideas on health risk management andinsurance regulatory strategy recommendations.