Research On Innovation Of Commercial Health Insurance Under Reform Of Supply Side

From "three phase superposition" to "new normal" to "supply side" structural reform,China's economic policy is changing with the development of the economy should be potential.Just rely on monetary stimulus is not able to completely solve the deep-seated problems of economic development in our country,must step up efforts to make up my mind to vigorously promote economic structural reform,in order to supply system more in line with the change of demand structure.On the supply side structural reforms,the insurance industry are listed as the focus of the supply side structural reform,innovation is a priority in the development of insurance.With the advancement of reform and innovation of the commercial health insurance has been continued,leading the trend of the insurance industry development,people's demand for innovation are also growing.Commercial health insurance on the supply side can get better development under structural reforms,but the commercial health insurance in the system design should follow five principles,namely the simple,accessible,motivating,transparent and independent.Give appropriate tax incentives and preferential commercial health insurance,to make good use of means of deepening reform to provide new kinetic energy supply.Insurance supply side under the structural reform,commercial health insurance reform is the key to innovative products and services,in order to create more market,lower cost and more competitive products,commercial health insurance should be headed by independent innovation,with new thinking,mode and technical exploit horizontal innovation of insurance products,the innovation of market appeal,lower cost and strong competitive products.In this day and age,with the launch of the insurance industry supply side structural reform,commercial health insurance of the problem is insufficient,and give customer security on product innovation strength can't keep up.In addition,the insurance company in insurance products did not achieve very good effect on the risk control,after the purchase of insurance products,customers didn't get the proper follow-up service.Based on the supply side structural reform in our country,therefore,under this big background,fully studies the innovation of the foreign commercial health insurance and draw lessons from the beneficial experience of our country,analyze the direction of the development of China's commercial health insurance innovation.This article is divided into two parts of the introduction and main text,including the text part is divided into four chapters.In the introduction part,the author elaborated the paper selected topic background and significance,research methods,main content and domestic and foreign literature review,summarizes the innovation of the article and shortage.The first part of the body on the supply side structural reform under the opportunities and challenges facing China's commercial health insurance innovation are introduced,the second part lists the problems and reasons existing in current Chinese commercial health insurance,the third part draw lessons from the foreign commercial health insurance innovation trend,the fourth part lists the supply side structural reform under a serious illness insurance,tax optimal health insurance and medical combination of innovation,and summarizes the innovation and development direction.