The role of commercial health insurance, and direction of development
In China's medical insurance system, the commercial health insurance and basic medical insurance, a variety of supplementary medical insurance covering the urban and rural areas together constitute a multi-level medical security system. Among them, the role of commercial health insurance, mainly to meet people's different levels of medical insurance needs. Since the Sixteenth Congress, the rapid development of China's commercial health insurance, health insurance premiums an average annual growth of 25%, far exceeding the national economy and the insurance industry, the average growth rate. Currently, the market already, including four specialized health insurance companies, including nearly 100 insurance companies to carry out a health insurance in 2008, commercial health insurance premium income reached 58.55 billion yuan. Marketing of health insurance products to thousands, including health insurance, medical insurance, disability income insurance and long-term care insurance. In addition, the insurance industry is also under management, etc. All manner of new farmers, urban workers and residents in the basic medical insurance, handling management business in 2008, the cumulative additional 5.19 billion yuan of funds entrusted to the management, compensation passengers 7.392 million passengers, the amount of compensation 2.9 billion. The insurance industry handling management services, the establishment of a "collection, management and supervision," the separation and mutual constraints operating mechanism, and improve the quality of service levels and security, saving the government the cost of the insurance industry to expand service areas, access to the government, the masses, medical institutions and the insurance industry multi-win-win situation.

The medical reform an explicit proposal to the positive development of commercial health insurance, encourage enterprises and individuals through participation in commercial health insurance to meet the basic medical care through the health insurance needs. Coming from the three areas to promote the development of commercial health insurance, first, to develop personalized health insurance products, providing quality health management services to meet the broad masses of multi-level, diversified demand for medical care. Second, the development of supplementary medical insurance market. According to basic health insurance coverage to protect objects and changes in the timely development and its complementary health insurance products, and basic medical security for the formation of positive complementarity, meet the people's demand for greater health protection. Third, actively and safely participate in the basic medical insurance management business managers to improve the quality of service handling the management to ensure that funds security, services, national health security system.