ABSTRACT
At present, the diagnosis, treatment, and social security of rare diseases have attracts social attention. As an important part of the multi-level health insurance system in China, commercial health insurance plays an increasingly important role in the supplement to basic medical insurance. Moreover, recently, the benefits of new healthcare reform policies have provided much room and great opportunities for the application of commercial health insurance for rare disease.This paper presents current medical insurance for patients with rare diseases and discuss the necessity and feasibility of bringing rare diseases into the coverage of commercial health insurance, and analyzes the current application and the potential problems of rare disease insurance in the commercial health insurance. This article also gives suggestions to the policies to make full use of the positive role of commercial insurance for the completion of multi-level health insurance system for rare disease.
ABSTRACT
Objective:To analyze the main influencing factors of China's commercial health insurance demand and promote the development of China's health service industry.Methods:Based on the panel data of 31 provinces and cities in China from 2009 to 2015,the model of cross-sectional fixed effect was constructed to conduct empirical analysis on the main influencing factors of China's commercial health insurance demand.Result and Conclusion:More significant influences on commercial health insurance demand factors were urban per capita disposable income,per capita urban employee basic medical insurance fund income,elderly population bring-up ratio and per capita outpatient expenses.For the basic medical insurance of urban employees,the urban employee medical insurance had significant effect on the demand of commercial health insurance.For the basic medical insurance of urban residents,the income impact was more prominent.The proportion of graduates of general institutions of higher learning had few influence commercial health insurance.
ABSTRACT
Premium healthcare is the key area of healthcare industry and private medical institutions. Howev-er, with the expansion of VIP services in public hospitals and policy barriers to private medical institutions, the de-velopment of premium healthcare in China is still in its early stage. The premium healthcare industry has in fact be-gun to take shape in some developed countries, accumulating rich experience in the aspects of developing bases, op-erating modes and security systems. Therefore, this paper introduces the experiences of premium healthcare develop-ment in several countries:the United Kingdom, the United States, Germany, Singapore, Australia, and India: the building of safety net hospitals;the setting of hierarchical pricing and differential financial assistance;the use of pub-lic-private partnership based on commercial health insurance to determine prioritization. Based on the actual situation in China, this paper provides some implications to develop premium healthcare, including the implementation of dif-ferential payment policies built on the provision of basic healthcare services, the promotion of commercial health in-surance and public-private partnerships, and the determination of preferential areas.
ABSTRACT
Although the Shanghai's basic health insurance always takes the leading position nationwide in the aspects of coverage, funding level, security level, etc, it still cannot avoid the contradictory problems brought by the rapidly rising demand for health care, poor results of funds management, etc. Commercial health insurance has its u-nique advantages in terms of funds and personnel management. Therefore, they can play their complementary role to the basic medical insurance in order to improve the basic health insurance system. Based on the perspective of com-mercial health insurances, this paper explores the basic health insurance system in Shanghai from the aspects of man-agement patterns, governing body, insurance objects, funding modalities and insurance programs.
ABSTRACT
An analysis of policy support for commercial health insurance,its interface with social insurance,and compensation risk control.Recommendations:laws and regulations commercial health insurance,with supportive government taxation policies; clear definition of social medical insurance and commercial health insurance,with commercial health insurers innovating their products and enriching the assurance; information sharing between insurers and medical institutions,bridging the two and encouraging commercial ones to play a role in health management.