Analysis On The Impact Of Population Aging On Commercial Health Insurance Demand In Jilin Province

Since the end of the last century,the problem of aging in the world has become more and more serious.With the advent of the world’s aging wave,China,the most populous country in the world,has been labeled as "aging",and the current status of aging in Jilin Province is also Gradually deteriorated.With the increase in the percentage of the population over the age of 65,the average social health level of Jilin Province has declined,the society is facing greater pressure on medical and health security,the gap in social medical insurance,and the elderly’s increasing demand for medical and health expenditures,etc.The problem is also becoming increasingly prominent.In recent years,Jilin Province has vigorously encouraged the development of commercial health insurance,and the health insurance business has grown by leaps and bounds.However,the professional operation of commercial health insurance is relatively late,the degree of specialization is lagging,and the density and depth of health insurance still lag behind the average of the country and even developed countries.Level.Commercial health insurance plays an important supplementary role in the increasingly serious ageing of the population in Jilin Province,effectively supplementing the shortcomings and deficiencies caused by social basic medical insurance,and compensating for the heavy burden of disease on individuals and families without causing poverty due to illness.Therefore,it is of great practical significance to study the relationship between the aging of the population in Jilin Province and the demand for commercial health insurance.This article mainly studies the impact of population aging on the demand for commercial health insurance in Jilin Province.First of all,this article discusses the current situation of population aging in Jilin Province and the demand for commercial health insurance from various perspectives,and makes a qualitative analysis of the reality of Jilin Province.It is clear that population aging is based on the low social average health level and family risk tolerance.Weakness,increased residents’ health insurance awareness,and higher living consumption levels affect the demand for commercial health insurance.Secondly,this article established a VAR model for quantitative analysis.This article searched for relevant yearbooks and statistical websites to obtain relevant data of Jilin Province from 1997 to 2019,and used Eviews to perform unit root test and Johansen cointegration test based on this.Impulse response analysis,and then after variance decomposition,the analysis shows that the dependency ratio,death rate,per capita consumption expenditure of urban employees,urbanization rate and per capita commercial health insurance premium income in Jilin Province are positively correlated;the average family population size is positively correlated with Per capita commercial health insurance premium income shows a negative correlation.Finally,this article believes that the population aging in Jilin Province is becoming more and more serious,and the commercial health insurance industry should develop rapidly under the strong encouragement of national policies to alleviate the health problems caused by the aging population.Therefore,this article proposes to deepen the promotion of commercial health insurance specialization and health insurance products.Professionalization of R&D and health management services,raising public insurance awareness,extending the industrial supply chain,deepening the integration of the "healthcare" industry,vigorously advancing the development of long-term care insurance,promote the combination of social medical insurance and commercial health insurance,and using technological innovation to change the traditional operation model of insurance.seven points to promote commercial health insurance in Jilin Province Demand countermeasures and suggestions.