Study On The Role Of Chinese Commercial Health Insurance In The National Health Insurance System

In recent years, China's commercial health insurance premium is growing rapidly, products variety, the market takes on diversified subjects competition. But our commercial health insurance is still at the primary stage of development, and the gap between developed countries is huge. And the commercial health insurance's role and positioning are unclear, which make its development is difficulties and excessive volatility, most companies operating efficiency. Health insurance is very important to social harmony and sustained economic development. But there are difficulties in carry on the basic medical insurance plan in towns and rural. China still has a lot of people don't get any form of health insurance coverage, or some people get health insurance coverage although the security level but very low, it may hinder the nearly 14 million Chinese people share the development of national economyThe promulgation of the new medical scheme aimed at solving the problem in health care system. The new medical scheme design,operation mode from and the way of implement for all levels of wandering in commercial health insurance has brought new opportunities for development. Therefore, under the new historical turning point, in the new order and related policies and measures of our commercial health insurance, so how to seize the rare opportunities of development, find a position, "internal" hard, for power and realize their adverse health development, commercial health insurance, medical security system in the whole of the status, become powerful ascension beyond a basic medical insurance and the financing channels, and an important social medical insurance together build distinct, rational division of medical security system, as we have before us an important and urgent task.Based on the research object, this paper studies the logical frame and specific as follows: Chapter 1 The introduction.I summed up summarized some key points relate to the topic, defining the scope of the commercial health insurance and national health care system, pointing out the object of this paper, introducing the purpose and significance of questions I studied and the main contents and the research methods, then overview the basis of study of the existing theoretical literature in commercial health insurance.Chapter 2 The attribute and economic analysis of health insurance system. This chapter uses economic theory analysis method to analysis, health insurance is not only a kind of economic relations, but an effective mode of financing. Health insurance system of these features make it has some economics attribute, such as it has the properties of efficiency and fairness, quasi-public product attributes. By analysis, commercial health insurance pays attention to efficiency and social medical insurance to justice, Voluntary commercial health insurance market exists ineffectiveness and compulsory insurance of social medical treatment of government failure. Because the commercial health insurance in financing and health care services emphasis on efficiency, providing the cheapest and reasonable insurance by the competition between insurance companies, and the social medical insurance sideways fairness, which could satisfy the majority members'basic needs of medical insurance. The essence of health insurance system structure is financing mode selection, which consisted of social medical insurance and commercial health insurance. Government and market should play important role.Chapter 3 The international experience of the role commercial insurance playing in the medical care system.Using the international comparison method in this chapter, at first, I chose some typical representative the commercial insurance's status and role and gave the brief introduction all over the word. And I also analyzed under these typical models the governments carry out what kinds of institutional arrangements. The purpose of learning the good experience in other countries'arrangement of commercial insurance is to promote and improve the role of China's commercial health insurance in the national health insurance system. Analysis concluded that several models have a relatively complete and relatively mature medical security system, the only difference lies in the different status the social medical insurance and commercial health insurance in the universal health insurance system. Commercial health insurance develop unbalance in different countries and regions, which is subjected to different countries'social regimes, economic levels and social health care systems, and the government and market forces also play a different role.Chapter 4 The reviews of commercial health insurance in domestic development.I analysis China's commercial health insurance complement basic social medical insurance system based on the overview of our country's commercial health insurance experience by the empirical analysis method. The analysis of typical models of china's commercial complement basic health insurance:Xiamen model and Jiangyin model. Analysizing the relationship between Insurance density, insurance Depth and medical expenditure and other indicators to prove that our commercial health insurance now is at an early stage of development and is constrained by lots of factors, the main impact of,which is the description of new medical reform program of commercial health insurance.Chapter 5 The analysis of the Role and positioning of China's commercial health insurance and development paths.This chapter also raised China's commercial health insurance what kind of role should be to serve, and ong-term positioning of the subordinate and supplementary position.. Because China's specific national conditions, commercial health insurance in the role of our country are special. Accounted for more than 70%of the china's total population, the urban non-professional-groups and farmers'health security neither be solved just like the America's personal health insurance, especially the for-profit commercial health insurance to solve, nor like U.K. and Germany which solved completely dependent on the Government's revenue model or rely mainly on corporate financing of social insurance model. The future china's national health security system should be the intermediate model between American and Germany. Hence, the position of commercial health insurance must be accurate in the national health security system. In the future, commercial health insurance is not only a good supplement to the social insurance, but also a good substitute for some people. Only in this way can play a unique role completely in national health security system. Finally I give the specific path for the commercial health insurance developing.Based on the discussion and analysis of commercial health insurance in national health security system in the role and positioning in this paper, some innovation in the paper as follows:First, from several health security model in commercial health insurance in other countries in the development of national health insurance system. For the crowd who is not has any basic medical insurance the commercial health insurance is the basic guarantee; it may be provided to the commercial insurance forms with existing citizens of the same basic medical insurance. Second, I think the biggest influence factor to China commercial health insurance now is the new medical scheme, but our commercial health insurance's real difficulty of development is the fuzzy role. Third, I think the position of commercial health insurance must be accurate in the national health security system. In the future, commercial health insurance is not only a good supplement to the social insurance, but also a good substitute for some people.