Analysis Of The Influential Factors Of Development Of Commercial Health Insurance

As a supplement to basic medical insurance,commercial health insurance plays an essential role in Chinese health care system,having a close relationship with the health and happiness of the wide public.Though it has been carried out in China for over three decades,overall,commercial health insurance is not well developed.In recent years,on one hand,the Party Central Committee and the State Council pay high attention to insurance work,repeatedly making instructions on the development of commercial health insurance and Shandong government also stresses the importance of expanding commercial health insurance in some related documents so that policies can provide supports for growing local commercial health insurance;On the other hand,as social economy booms plus people's living standard rises,there is an increasing demand for commercial health insurance,which can be a rare and historical opportunity for commercial health insurance,nevertheless,it still has less effects in Shandong Province.Combining the current development condition of Shandong's commercial health insurance,this paper will analyze supply as well as demand factors concerning the growth of commercial health insurance and then make use of relevant dates to make empirical analysis,end up with some proposals for promoting provincial commercial health insurance.Chapter One:Introductions.Introduce the research background,research purpose,research significance,research methods and summarize literature reviews home and abroad in commercial health insurance areas.Chapter Two:State related theories of commercial health insurance.It covers the definition,category and effects of commercial health insurance after which a comparative analysis is made between commercial health insurance and other health insurances,personal insurances and social medical insurances.Chapter Three:Analyze the influential factors of development of commercial health insurance.First,this part generalizes the current development situation of domestic commercial health insurance.Then analyze the development situation of commercial health insurance in Shandong Province.And then analyze supply factors concerning commercial health insurance progress in Shandong by considering environment elements,insurance company elements and analyze demand factors concerning commercial health insurance progress in Shandong by considering economic elements,social elements and demographic elements.Chapter Four:Make empirical analysis about influencing factors in above.In this section,it sets the premium income of commercial health insurance as explained variable and sets average disposable income as well as health care expenditure of urban and rural families,the proportion of medical health expenditure in fiscal expenditure,gross domestic product,inflation,aging degree,insurance penetration and urbanization level as explanatory variables,taking advantage of panel data model to conduct empirical analysis.Chapter Five:Raise proposals for promoting Shandong's commercial health insurance growth.These suggestions are presented respectively from the perspective of insurance corporations,government level,medical markets,insurance consciousness and insurance intermediaries.