The Development Of Commercial Medical Insurance Of Children In China

367million (nearly400million) children in China are basically at the low level of medical care no health insurance status. The number of children between the age of0-6without any medical insurance has reached260million. And the number increases with the speed of12million every year. Relevant data shows that the number of deaths of children under5years old has actually reached400,000every year. The number of deaths caused by failing to get timely treatment even reaches240,000. In other words,60%child deaths can escape from death. This data is huge enough to cause our reflection. Our children commercial health insurance is still in a blank area of the commercial health insurance. Especially the treatment of children susceptible to major diseases cannot get sufficient economic support and compensation. The development of commercial medical insurance for children is imperative. Providing high protection, full-range, and low-premium children’s commercial health insurance products is urgent. We starting from the current situation and problems of our children’s health insurance analysis social insurance cases, while adding the considerations of commercial insurance flawing. And point out that the Children’s commercial medical insurance of the Chinese government support is weak. At last we obtain results that developing our children commercial health insurance is necessary. And then article discusses the reason of causing difficulties in the development of our children commercial medical insurance development. Ultimately, the article analysis the consumer market demand conditions of our children’s commercial health insurance and make recommendations accordingly from the point of government, insurance companies and consumer to promote the development of commercial health insurance.This paper is divided into four parts. The first part is an introduction which describes the background and significance of the topic and mentions research purposes and methods briefly. The second part is the concept part. First, a brief description of the concept, classification and characteristics of health insurance is given. Then the paper defined the children’s health insurance and from the nature and physical position differ the adult features. At last, the paper comes to the significance of children commercial health insurance development.The third part is the status, the problems and their causes of Chinese children health insurance. The purpose of writing this chapter is to illustrate the necessity of developing children commercial health insurance. First, the article explains Chinese children Medicare performance in the field of social insurance. China has promulgated the policy that would build Medical Security Systems covering all minors in2007. But the status quo shows Cooperative Medical System popularize nationally since2002and rural children has gotten a high popularity of social health insurance. And urban residents’ medical insurance policy inclusive all urban children were proposed in2012, so the popularity of urban children’s social insurance is very low and economically developed areas established a pilot nationally. Children’s social health insurance is still in a low popularity in our country. Children’s social insurance system has been established with low levels of health insurance.Then the paper expresses the children’s commercial health insurance status in our country. The products Commercial children’s health insurance has vast amount, few species and high homogeneity.The last part of this chapter gives us the reasons of commercial health insurance developing unsatisfactorily, including:(A) The insurance company. In beginning of Children’s health insurance the design has deviated from the market demands. Characteristics of differing Children’s health insurance products make their products with more complex risk. Functions of commercial health insurance offered in the market coincide with that of Children’s social health insurance.(B) The insured. Health insurance market demand is strong. The actual purchase is less, and children’s products demand is lagging in the entire demand that also prevent children’s medical insurance of commercial development.(C) Medical institutions. The pursuit of economic interests is culprit of hindering the development of children’s commercial health insurance. (D) Government. Regulations related with existing child medical security regulate the social insurance, and lack the limits on commercial insurance. And a series of regulations promoting the development of commercial health insurance does not make additional guidance management for children. Therefore, we can find that children commercial health insurance lacks the specification and the support of policy.The fourth part is the advice of our children’s health insurance development. This part analyzes the demands of our children’s medical insurance. The purpose is to illustrate the possibilities of the development. From people’s strong willingness buying health insurance and our children huge base, high medical expenses come to the missing functions of children medical insurance, and there is great room for the development.