Commercial health insurance is the standard configuration of life insurance. It can make the insured get a compensation for the cost when they are ill or injured again, reducing their own pressure. However, the develo...Commercial health insurance is the standard configuration of life insurance. It can make the insured get a compensation for the cost when they are ill or injured again, reducing their own pressure. However, the development of commercial insurance in China is relatively late. At present, the state attaches great importance to the commercial insurance policy. For this situation, the state has issued a series of insurance policies. In this regard, the government of Hefei actively responded to the call of the state and attached great importance to the policy of commercial insurance, so that every insured can be assured. Although the continuous improvement of Hefeis commercial medical insurance system has provided a good guarantee for the economic development and the safety of peoples lives in Hefei, we must also be soberly aware that the current commercial medical insurance in Hefei is still in its infancy. Based on the actual development situation, this paper first analyzes the development trend and current situation of commercial health insurance in Hefei through a questionnaire survey, pointing out that the overall level of commercial health insurance in Hefei is low, and residents awareness of health insurance is insufficient. In this regard, the coverage of commercial insurance is not broad enough to provide a comprehensive supplement to medical insurance, which needs to be expanded. Secondly, the factors influencing commercial health insurance are comprehensively analyzed in terms of income, education level, disease factors and insurance company factors.展开更多
文摘Commercial health insurance is the standard configuration of life insurance. It can make the insured get a compensation for the cost when they are ill or injured again, reducing their own pressure. However, the development of commercial insurance in China is relatively late. At present, the state attaches great importance to the commercial insurance policy. For this situation, the state has issued a series of insurance policies. In this regard, the government of Hefei actively responded to the call of the state and attached great importance to the policy of commercial insurance, so that every insured can be assured. Although the continuous improvement of Hefeis commercial medical insurance system has provided a good guarantee for the economic development and the safety of peoples lives in Hefei, we must also be soberly aware that the current commercial medical insurance in Hefei is still in its infancy. Based on the actual development situation, this paper first analyzes the development trend and current situation of commercial health insurance in Hefei through a questionnaire survey, pointing out that the overall level of commercial health insurance in Hefei is low, and residents awareness of health insurance is insufficient. In this regard, the coverage of commercial insurance is not broad enough to provide a comprehensive supplement to medical insurance, which needs to be expanded. Secondly, the factors influencing commercial health insurance are comprehensively analyzed in terms of income, education level, disease factors and insurance company factors.
