Research On Development Of Health Insurance In China

Commercial health insurance in China shows increasing trend since1982. Commercialhealth insurance in China premium is growing rapidly，products become variety，themarket takes on diversified competition. Commercial health insurance has been animportant part in Medical Insurance System of China with the continuous developmentof health care reform and the rising level of people’s income. Health insurance has playeda very important role in public health reformation and became one of its significant parts.Not only compensates for the lack of Social Health Insurance but also enriches andimproves the whole country’s medical insurance system.However, current situation of health insurance still could not satisfy the market’s needs.There exist many difficulties.On one hand, residents could not purchase a satisfying andappropriate health insurance in the market even they would like to pay the price. On theother hand, insurance companies have invested a lot of money but hardly gain any profits.Moreover, the behaviors of medical service agencies should be standardized. And for thegovernment, it has to face dual problems that strict supervision and supportiveimprovement.Based on the connotation and characteristics of commercial health insurance, thispaper analyzes the opportunities and dilemmas of Commercial Health Insurance in newarea deeply and wholly. It raises four contradictions which can be found from the currentdevelopment of commercial health insurance in China.First, the premium incomeincreased year by year but its overall size is still small. Second, the products are varietybut lack of innovation. Third,professional health insurance companies develop rapidlybut its market share is still low. Fourth,the business is profitable but the ratio of loss cannot be less.Also, from the participants’ perspective, this paper analyzes from four angles:government, health servicing institution, insurance company, individuals and enterprises.In addition, it provides suggestions for our country’s health insurance development in thefuture. On one hand, it is recommended that the government, health servicing institutionsand insurance companies may cooperate better to help the development of healthinsurance and to achieve the management of cooperation. On the other hand, the level ofinternal management of commercial health insurance enterprises should be improved, from the point of product development, modernization of management and specializedpersonnel in the construction. Finally, it is pointed out that health management must beintroduced into the commercial health insurance business, and give details of the conceptand practice of health management.