The Empirical Analysis Of The Construction About How Commercial Health Insurance Join In Medical Security System

In recent years, with the continuous development of economy, science and technology level unceasing enhancement, our country the development of the medical security system has been deepened. At the same time of enjoying life, people pay more and more attention to the pursuit of health, is becoming more and more aware of the necessity of health insurance to spread risk. And as the population ages continuously strengthen, also led to the unprecedented attention of health insurance for people. In our country, commercial health insurance and basic medical insurance, medical aid constitute a multi-level security system covering both urban and rural residents. Gradually develop commercial health insurance, and combine commercial medical and social security, is not only beneficial to meet the medical needs of the masses, but also to economic development and social stability.At present, the reform of the health care system in our country is in a dynamic developing, commercial health insurance, how to effectively participate in medical security system, is in the active exploration and attempt. Medical security system has the characteristics of complex historical and institutional fragmentation, this paper aims to seek commercial health insurance in combining site and feasible way of medical security system construction, to push related mechanism in the field of system construction. In this study summarizes the related on the basis of predecessors' research results, according to the development of the domestic and foreign, for the relevant theoretical and practical issues involved a certain exploration. The slow development of China's commercial health insurance lag, the primary reason is ideological bias and cognitive differences, we should clarify the commercial health insurance in the necessity of medical security system construction, provide a more solid theoretical basis for policy making. Commercial health insurance in our country medical security system construction is not only a supplement, but to achieve a multi-win-win situation through commercial health insurance. To adhere to the role of the government and the market mechanism function, the combination of full use of good government financial resources and the advantage of the market economy system, efforts to build commercial health insurance and social medical insurance complement each other, mutual cooperation and common development of new medical security mode.