Analysis Of The Influencing Factors On The Development Of China’s Group Health Insurance

As a developing country of China, the demand of people’s health care has become increasingly prominent, there have been signs that the Social Security capacity is insufficient in the process of the new health care reform. To solve this problem, commercial health Insurance will be a key role. Following the experience of developed countries, a prosperous commercial health Insurance system can compensate the lack of social security in various stages of economic development, and become an important part of a support national security system.The group health insurance is one of the most promising types of insurance in commercial health Insurance system. However, in China there are quite a lot of scholars do their research on normal commercial health Insurance, but less people pay attention to the group health Insurance A targeted research on the development strategy of group health Insurance has realistic guiding meanings.This article focus on the factors affecting the development of group health Insurance. By applying a quantitative analysis on some of the main factors, we find out how those factors would affect the development of group health Insurance. This analysis indicates some factors can be magnified to bring in positive impact for the group health insurance business, and base on the results, some rationalization proposals would be proposed.Those strategies mentioned in this article are proposed on a realistic value base after an in-depth research on the relevant data of the group health insurance business in China-To find the final conclusions, some research work has been done as following:1.The relevant data of group health insurance business in China during the period of 2008-2013 has been collected, classified and regenerated into secondary processing data for further analysis.2.An appropriate statistical methods has been researched and applied to analyze the secondary processing data to find out the correlation factors between the main variables and the group health insurance business operation.3.The commercial health Insurance development pattens of some countries has been studied. Some reasonable development models are analyzed and used for proposing strategies of the group health insurance development in China.The artical finally concludes with following suggestions:1.Consumer insurance awareness and health awareness cultivation2.The education of professional personnel.3.The management of the specialized operation.4.Legislation and policy.5. construction of public information platform.6.The coordinated development of social security and commercial insurance.These suggestions are based on large data analysis and theoretical research, and because of the limitations of the data obtaining, the conclusion may have some limitations. It could be served as one of the introductory papers for the group health insurance study, and provide a reference for similar future researches. I hope that as one of the pioneer papers in this field, it will show a small personal effort for the insurance industry research in the future.