The Discussion Of The Mode Of Commercial Health Insurance In The Context Of The New Health Reform

Medical security system is very important for any country, it is not only closely related to the medical treatment with the nationals of the conditions and level, but also embodied the nation’s benefits high or low. Health insurance as an important part of the medical security system, its role cannot be overlooked. China as the world’s second-largest economy, the construction of the medical security system is very important. The health care system is more perfect, the nationals living and medical condition is better, and enjoy more generous benefits. For China, it is necessary to improve medical security system, then the development of health insurance is better. The development process of China’s health insurance has gone through three stages, the first is to follow the pattern of the commercial health insurance of American. However, they found the market environment of China is not suitable. Then, it turned to the German mode. But we also found the mode cannot solve the problems good, so we entered the health insurance model to imitate the United Kingdom. Although China’s health insurance in the process of learning the British model has made a great breakthrough, but there are still many problems, such as the coverage is not comprehensive enough, urban and rural residents to protect differently. So the commercial health insurance should be how to develop, should use what mode of development is very important. In2009, the new health care reform wTas launched, China’s commercial health insurance should be comprehensive three classic mode, combined with the special circumstances and the policy requirements of the new health care reform, comprehensive consideration, choose a suitable commercial health insurance of road development, the improvement of the medical security system.The article firstly though benefits diversification, government intervention, information asymmetry, the three principles of economic to analyze the need of health insurance. Next introduce three international health insurance operation mode to analvsis of their strengths and weaknesses, and in accordance with the characteristics of the various modes summed up the value of its reference. Then through three perspectives on policy, markets, personal environment faced by the commercial health insurance. Finally, the author recommends the future operating model of health insurance.The contributions of this article:Firstly, the article uses economic theories to analyze the foundation for the development of the commercial health insurance. It uses benefits diversification, government intervention, asymmetric information, externality four economic theories to bring about by the need for the development of China’s health insurance, the necessity of the new health care reform, as well as new medical reform and the direction of development of the health insurance.Secondly, analyzes deeply the advantages and disadvantages of the three international modes of commercial health insurance, as well as the great role. Thirdly, in the background of the new health care reform, the article comes up the commercial health insurance model. In background of new medical reform, the author explains this policy environment has changed, analysis the opportunity that reform bring to the commercial health insurance industry, combined with the development of policy and health insurance to give advices about the selection mode of commercial health insurance.Deficiency of this article:Firstly, this article is based on the information that the author mastered, and the advices is somewhat theoretical. The mode is not practice in the reality, there are still many problems, including considering not comprehensively.Secondly, because of the limited research time, the author knows China’s new medical reform policy control not very well, and the analysis is not very penetrating, the proposed advices is subjectivity, this is what the author should focus afterward.