Study Of Commercial Insurance To Participate In The New Rural Cooperative Medical Insurance

Since2003, the new rural cooperative medical insurance (hereinafter referred to as the "new farming close") in the pilot, the commercial insurance to participate in the new farming also began to pilot. Pilot a slightly different effect, overall running effect is good. With the deepening of national medical system reform, the implementation of the system of universal health insurance, commercial insurance institutions participate in new agricultural and medical treatment of a serious illness insurance alone could be a breakthrough in three aspects:to improve farmers’ medical treatment; Reduce the health administrative department or departments of labor security administrative costs; Insurance institutions implement "guaranteed small profit" to win more.This paper by collecting both at home and abroad in recent years about the new agriculture, commercial insurance literature, from which sum up the rules on the rural medical security policy, research and development, etc; Alone to our government at the same time to undertake new farming and status are analyzed, the problems of farmers also further to the commercial insurance institutions to participate in new strategic SWOT analysis, concluded that commercial insurance institutions to participate in new farming and management can better achieve the conclusion of "win-win" situation, and the comparative analysis on the basis of the single commercial insurance institutions to participate in new farming of entrust management model, insurance contract model and mixed management mode of benefits and risks, separate commercial insurance institutions to participate in the new farming in serious illness medical insurance management should use the conclusion of insurance contract model.