The Analysis Of The Commercial Medical Insurance Market Of Our Country And Risks Control

How to control the risks of the commercial medical insurance market is one of the important promblems in the field of medical insurance. There are three bodies in the commercial medical insurance market : policy holders, medical service providers, commercial insurance companies . Different market bodies face different risks . In the article, the risks the commercial insurance companies face and how to control the risks will be studied.In the article ,the characteristics of the supply and demand in commercial medical insurance market are studied. At the same time , the balance between the supply and demand in the commercial medical insurance is also studied. The commercial medical insurance market includes the medical market and the insurance market. By analyzing the supply and demand of the both market in economic methods, we can get the conclusion that unbalance of the both market result from the risks existing in the both market.The risks commercial insurance companys face are discussed in the angles of policy holders and medical service providers. The relationship between policy holders and commercial insurance companys is studied in the theory of "Entrust-Deputize" .The ideal that the moral risks between policy holders and commercial insurance companys are connected with the manner of payment is concluded. The relationship between commercial insurance companys and medical service providers is studied in the the "GameTheory".To the commercial insurance companys, the risks should be controlled from both policy holders and medical service providers. To the policy holders, the risks will be controlled from insurance clause , insurance checkage, insurance indemnity , health protection. The best proportion of medical expenses that the policy holders have to pay is studied in the article. To the medical service providers, the risks will be controlled from the course of medical service , the method of payment , the cooperation between medical service providers and commercial insurance companys. The promoting mechanism of payment ahead of time is studied by the mathematics model.