Significance Of Commercial Medical Insurance In Social Medical Security System

Medical security system is an important component of the Social Security System, it plays an important role in the economic and social development, and it is important to national health as well. Commercial Medical Insurance is the important component of the Supplementary Medical Insurance. It can help to solve the problem that low insurance of Medical Security System. Currently, our country existing social economy and the policy environment are all extremely advantageous to the Commercial Medical Insurance development. It is very urgent to develop the Commercial Medical Insurance!At present, Hygienic Profession is focus on the study of Basic Medical Insurance for Urban Employees and New Rural Cooperative Medical System. As the important component of our Basic Medical Insurance, they both play an un-substitution role in urban and rural populace's health insurance. But also, their nature decides they both can only ensure people's basic medical requirement. The social development and medical requirement all need Commercial Medical Insurance participates in Basic Medical Insurance. This paper is based on the real medical situation of urban and rural, analyses the significance of Commercial Medical Insurance in Social Medical Security System. It means the Commercial Medical Insurance participates in Basic Medical Insurance for Urban Employees and New Rural Cooperative Medical System.In view of the problem of Commercial Medical Insurance in Social Medical Security System, based on the current situation of medical insurance development and existing problem of our country, this paper has introduced the main successful insurance of developed country, experience on the institutional such as U.S.A., United kingdom and Japan. And then analyses what can we draw lessons from their experiences, and are they suit to the medical insurance system in our country national conditions.Finally, this paper has put forward the suggestion and reform strategy to both the government and insurance companies. The insurance companies should establish the correct concepts, strength their management level; the government also should promote the development of overall planning, accurate position, regulation standardize, supporting and guiding. And then use Commercial Medical Insurance to enrich and perfect our medical insurance system.