An Analysis Of The Influencing Factors Of The Demand For Major Disease Insurance In China

In 2014,the State Council issued a new document opinions on accelerating the development of commercial health insurance,which requires commercial insurance institutions to actively innovate the types of health insurance products,improve the awareness of national health risks,improve the prevention and treatment measures in advance of health risks,and provide health management services other than insurance guarantee on the basis of existing products.In 2016,it was advocated to vigorously promote the medical assistance program for major and serious diseases nationwide,supplement and improve the basic medical security system of China,so as to promote the perfect connection between China's commercial insurance institutions and the basic social security system,and achieve the goal of "healthy China".With the accelerated pace of modern life,the deterioration of living environment and the reduction of food quality,the prevalence of serious diseases in China is as high as 72%,and the number of people who are poor due to diseases has reached more than 20 million.As an important supplement to social security,serious illness insurance is a project supported by the government and relevant departments,but the coverage rate of serious illness insurance in China is not ideal.On the basis of combing the relevant literature at home and abroad,this paper introduces the concept,classification,development status and characteristics of the demand for serious illness insurance.This paper theoretically combs out the influencing factors of the demand for serious illness insurance in China,divides the influencing factors into economic factors and social factors,establishes panel data model based on the annual statistical data of different regions in China,makes empirical analysis on the impact of each factor,and makes relevant theoretical suggestions to the government,insurance companies and consumers based on the empirical results,hoping to promote the market of serious illness insurance to be better Good development.