A Study On The Influence Factors Of Commercial Health Insurance In Henan Province

At present,China has initially established a medical security system that focuses on basic social medical insurance,medical assistance,and commercial health insurance with a purpose for profit.Although the medical security system has been preliminarily established,the phenomenon of “difficulty in seeing a doctor,expensive medical treatment,and tight doctor-patient relationship” still exists in China.There is still a big gap between the health insurance industry and the increasing medical security needs of the people.It also shows that there is still huge potential for development and potential for health insurance.Therefore,vigorously developing commercial health insurance that supplements the basic medical insurance of society will play a very important role in improving the level of medical and health protection of our province and even our country's residents.Our country resumed its insurance business in 1980.Especially after entering the 21 th century,commercial health insurance had a good opportunity for development.The premium income of commercial health insurance in Henan Province was 249 million yuan in 2001 and 24.054 billion yuan in 2017,an increase.Nearly 97 times.However,from the point of view of per capita premium income,the insurance density of commercial health insurance in Henan Province was 221.55 yuan per person in 2017,and the national commercial health insurance insurance density was 315.79 yuan per person in the same period,which means that the commercial health insurance market in Henan Province has developed rapidly.However,the per capita protection is still lower than the national average level.In the theoretical analysis part of this article,we explain that the main role of commercial health insurance in China's medical security system is to supplement the basic medical insurance of society,mainly supplementing the level of protection and coverage.Then it introduces information asymmetry theory and Maslow's hierarchy of needs theory: information asymmetry theory mainly affects the supply of commercial health insurance;Maslow's hierarchy of needs theory points out that only when residents achieve survival needs,can they purchase commercial health insurance.Finally,it analyzes the impact mechanism of various factors on commercial health insurance,mainly from the aspects of income level,age structure,urbanization process,education level,policy support and effective supply of insurance companies.In the analysis of the status quo of commercial health insurance in our province,it mainly analyzes from three aspects: the status quo of products,the current status of business entities and the status of development.From the product point of view,there is no specific commercial health insurance for the residents of our province.From the point of view of the business entity,there are many insurance companies operating commercial health insurance but lack of specialization.Only one professional health insurance company has been established in our province.Business;From the perspective of market development,commercial health insurance has continued to develop in recent years,but it is still lower than the national average.In the empirical analysis,the data of the province from 2004 to 2016 were used to construct panel data.The per capita commercial health insurance was used as an explanatory variable,and the impact of commercial health insurance on the direction of population aging,urbanization,and social basic medical insurance was taken as Explain the variables and select the appropriate control variables to build the individual fixed-effect model at the time.Finally,it summarizes the full-text research and puts forward policy recommendations to promote the development of commercial health insurance.Through the study on Henan Province commercial health insurance,it is found that the aging of the population in our province can not effectively promote the development of commercial health insurance,mainly because the health insurance needs of the elderly in our province can not be effectively met.The urbanization of our province is inefficient,and it cannot promote the development of commercial health insurance.At the same time,social basic medical insurance inhibits the development of commercial health insurance in our province,and its crowding out effect on health insurance is greater than that of health insurance.Finally,in order to promote the development of the province's commercial health insurance,the following suggestions are proposed: First,product innovation and service innovation should be encouraged to meet the different needs of residents for commercial health insurance;Second,attention should be given to the training of health insurance professionals for business purposes.It is necessary to strengthen publicity of commercial health insurance and increase residents' insurance awareness.Finally,relevant laws and regulations should be improved to protect consumers' rights while providing insurance companies with vigorous development of commercial health insurance business.stand by.Jointly promote the development of commercial health insurance,increase coverage of health insurance coverage,improve residents' health management capabilities,and meet residents' health needs.