Difficulties faced by commercial health insurance
At present, the difficulties faced by commercial health insurance, mainly: first, the main and more professional management capacity is weak, can not meet the market demand. Currently health insurance is the insurance industry, most of the main areas of competition, financial insurance companies, life insurance companies, health insurance companies can operate.
Second, the publicity is not enough, the community awareness of commercial health insurance needs to be improved. Although the State Council on the commercial health insurance has given full recognition, but some government departments to ignore the social management of commercial insurance capabilities on the understanding of commercial insurance is still stuck in the "making money" level, and give full play to the commercial insurance medical security system in the able-bodied a lack of understanding of the role and take the initiative to use market mechanisms and commercial insurance awareness is not strong, and even business insurance to participate in social management services there are still resistance. In addition, the insurance industry's participation in government to support difficult to obtain relevant supporting policies, commercial insurance, only a small number of projects in some areas, has played a limited role in
Third, the location was not clear, the high social security health insurance to protect the development of compressed space; 17 since the people's livelihood in a loud voice, have increased in all parts of the basic medical insurance payment standard, reducing the people for health care spending burden and health insurance that can protect the interests of the steady decline in health insurance reduced the space for development and restricts the development of commercial health insurance.
Fourth, the lack of policy support and professional development of health insurance difficult. SAIC approved by the CIRC and the State were operating range of healthy "and the national health security policies supporting, the government-mandated health insurance," This is a general life insurance companies and financial insurance companies do not have the business scope. However, in practical work, and no specific policy to protect health, how to participate in the implementation of people commissioned by the Government's health insurance.
Problems must be resolved, the need for enhancing the healthy development of business solutions. First, we must fully understand the development of commercial significance and role of health insurance; Secondly, we must strengthen the specialized operation, enhance service capabilities, does the health insurance companies to fulfill the mission and responsibilities; again, to a reasonable division of responsibilities between government and market a clear commercial health insurance in the medical security system, the position and role; Finally, to further improve and implement the relevant supporting measures to support the development of commercial health insurance.

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