Empirical Analysis On The Demand Of Commercial Health Insurance In Hunan

the State Council issued the views on deepening the reform of the medicalsystem in2009，the new medical reform program made clear the importance of thecommercial health insurance, businesses and individuals are encouraged to activelyparticipate in the commercial health insurance’, in order to meet the peoples healthinsurance needs besides basic medical insurance, along with the continuous economicdevelopment, the gradual deepening of the health care reform，commercial healthinsurance plays an increasingly important role. Therefore，in the context of the newhealth care reform and the needs of the public, research on the influencing factors ofcommercial health insurance from the perspective of demand in Hunan Province, hasa very important significance to the long-term development of the insurance industry,and developing their own business to seize the opportunities for insurance companies.According to the available data, the paper select health funding ifscal spending,the number of Social Security medical insurance, the total population of Province,urbanization rate, aging rate, the number of sick in hospital, GDP, disposable incomeof urban residents, insurance density, spending in health care of urban residents,health insurance density, analyzing the influence factors using gray relational analysis.Empirical analysis shows that health insurance insurance density, insurance density,Health funding ifscal spending has a most important influence of commercial healthinsurance in Hunan Province; GDP and the number of sick in hspital impact followed;the rest had no significant effect. Using The Gray model predict commercial healthinsurance premium in2011. Subsequently, this paper selected ifve major influencingfactors, respectively, did statistical iftting between commercial health insurancepremiums and separate influencing factors. And then iftting out quantitativerelationships between the main influencing factors and health insurance needs.Finally, put forward some recommendations involving the rapid development ofcommercial health insurance in Hunan Province.