Comprehensive Evaluation Of The Development Level Of Commercial Health Insurance In Yangtze River Delta Region

Under the background of deepening the "Healthy China" strategy,further promoting the supply-side structural reform of commercial health insurance and the transition from commercial health insurance to large health service industry,there are some problems in China’s commercial health insurance market at present,such as single product category,low level of market development,limited supervision and unbalanced regional development.Can not meet the urgent need of "Healthy China" strategic layout.Most of the existing studies have investigated the differences in the development of health insurance between four regions or provinces,and there are few analyses from the level of cities and urban agglomerations.As an important urban economic circle,the Yangtze River delta region plays an important traction role in modernization development and plays a strategic role.The research on the development level of commercial health insurance in the Yangtze River Delta has a leading role for insurance companies to develop innovative health insurance products,promote the development of China’s commercial health insurance industry,and promote the deep-seated development of the "Healthy China" strategy.This paper uses the theory and method of statistical comprehensive evaluation to discuss the factors affecting the development of commercial health insurance in China from the perspective of comprehensive insurance evaluation at the market development level,and studies the insurance action mechanism of these factors,so as to provide theoretical reference for promoting the construction of "Healthy China" strategy and realizing the important layout of "Five-in-One" and "Four Comprehensives".The structure of this paper is as follows: firstly,it comprehensively introduces the research questions,research background,research methods,research ideas,literature review and theoretical basis of comprehensive insurance evaluation.Secondly,the empirical stratification analysis of the development status of commercial health insurance in the Yangtze River Delta region shows that the core factors affecting the development level of commercial health insurance in the Yangtze River Delta region include: economic environment,population base,educational cognition,insurance market development level,and medical system restriction.Then,AHP-Entropy method is used to conduct empirical analysis based on the influencing factors proposed in this paper,and the weight value of each influencing factor to the development level index is obtained,and the development level index is obtained comprehensively.Finally,based on the empirical analysis of the weight value,and from the perspective of insurance professional,the commercial health insurance market governance structure of the parties involved: regulators,policyholders,insurers,respectively put forward suggestions.