A Study On The Influence Of Social Medical Insurance On Commercial Health Insurance

Social medical insurance and commercial health insurance are important parts of the health security system,belong to different risk management systems.Social health insurance is managed by the country and commercial health insurance is managed by insurance companies,which individuals can participate voluntarily.In China,the coverage of social health insurance are transiting from the "wide coverage" to "full coverage" stage,plus commercial health insurance continue to be supported by policy etc.From a functional perspective,the social health insurance has "basic security "feature,commercial health insurance can guarantee effectively the" additional medical expenses excluding basic insurance.The combination of them can reduce the burden of paying medical expenses for individuals and families,namely they have a certain effect on the function of complement.However,the coverage of social health insurance produced on China’s commercial health insurance on earth?Did social health insurance promote or squeeze the development of commercial health insurance?For the individual or family,can the options of health insurance exist an alternative or complementary relationship?There is not a consistent conclusion about these questions in domestic.It is believed that social health insurance and commercial health insurance can form a positive interaction relationship.The paper can help make clear the relationship of social health insurance and commercial health insurance and provide forceful policy measures.Based on the study of the existing literature,the paper tease the development process of China medical insurance,then making a contrast analysis about development process of social health insurance and commercial health insurance according to the data of them.The empirical part of this paper adopts the micro data of the China Household Finance Survey in 2011 and examine whether the full average of social health insurance promote or squeeze through the logit empirical test.The empirical results show that:the expansion of the social medical insurance in our country has obvious on the commercial health insurance of "crowd out" effect.As the domestic mainly theoretical qualitative analysis on the relationship between the two research methods,or by the nature of the two types of insurance features such as contrast similarities and differences or individual case studies conclude,this article on the study and research perspectives have a certain degree of innovation.