Research On The Cooperation Model Of Social Medical And Commercial Insurance

Objective:To analyze the specific measures and practical experience of purchasing commercial health insurance in Shenyang City and Shanghai related medical insurance personal accounts,and to promote the development status and reality of commercial health insurance in China based on the existing practices at home and abroad.China's commercial health insurance is better linked to social health insurance and offers relevant recommendations.Methods:Considering that medical insurance data is not easy to obtain,commercial health insurance company data involves trade secrets,so the research mainly uses qualitative research methods.Specifically,it analyzes and summarizes the collected literature,conducts targeted interviews,conducts in-depth interviews through field and telephone,and focuses on core issues and case studies based on various data collection.At the same time,it summarizes the development status of commercial health insurance and social security cooperation,and clarifies the necessity of commercial health insurance development and cooperation with social enterprises.Through the comparative analysis of the interview data of the relevant persons in charge of Shenyang City and Shanghai Medical Insurance Accounts,the differences between the two regions were clarified.Based on the experience of Obama's medical insurance reform and the consideration of China's current national conditions,China's commercial health insurance and social insurance cooperation and development put forward relevant recommendations.Results:According to the specific analysis of domestic and international cases,it can be seen that the operations in Shenyang and Shanghai have their own strengths.The product development in Shanghai is dominated by the Banking Insurance Regulatory Bureau.The products of the five insurance companies are identical.This is similar to the new medical insurance market in Massachusetts and the new insurance market in Obama's medical reform.The standardization of products allows insurance companies to only Competition on the service also reduces the information asymmetry of the insured person and helps the insured to make choices.At the same time,China established its first health insurance trading center in Shanghai in 2018.The center will play a huge role in screening insurance products and promoting product development.Shenyang City is far higher than Shanghai in terms of the proportion of claims and insurance,and Shenyang's account items can be used to purchase products for immediate family members.In terms of risk sharing,Shenyang's practice is more conducive to attracting policyholders to insure.To cultivate people's awareness of purchasing commercial health insurance.At the same time,the timeliness of online insurance in Shenyang is much higher than that of Shanghai.However,both places have made efforts to promote the development of commercial health insurance,and the protection of water has also enabled commercial health insurance companies to better integrate with social medical insurance and develop appropriate insurance products.Conclusion:In order to promote the coordinated development of commercial health insurance and social medical insurance,the government should give legislative and policy support to clarify the boundaries between commercial health insurance and social medical insurance,so that both can perform their duties and give full play to their role.Drawing on the experience of the new insurance market,selecting insurance products and reducing information asymmetry,the insurance companies will focus on their own services and provide better services to consumers.Accelerate the reform of public hospitals and try to build an insurance market with "management competition",so that commercial health insurance and social medical insurance can better cooperate and compete.Commercial health insurance companies should also pay attention to the diversified needs of the people,develop new products in light of the national conditions and the needs of the times,and better play their supplementary insurance role at the level of protection.