View: deepening the reform needs through market forces 
 
 

The 2014-12-15 13:13:06 
 
 
Source: economic daily 

    By market forces, with the reform of the way to mobilize social forces in developing commercial health insurance, and therefore, the basic medical insurance, helps to raise the level of people health care and meet the demand of multi-level health, promote the development of health services, expanding employment, promoting economic restructuring and improve people's livelihood
 
    Recently held the second session of China's medical reform and the progress of science and technology on top BBS, the participating experts generally believe that health care in China is facing a more heavy burden, the government play a leading role at the same time, should mobilize all social resources and power, bring into full play the function of commercial health insurance in health care, eventually forming the government, society and enterprises such as multi-level medical security system.
 
    With the aging time coming and the deepening of reform, the rapid growth of medical consumption demand, health industry unlimited opportunities. However, medical service system both doctors if only, it is easy to appear the phenomenon of market failure. On the one hand, the doctor is a provider of medical advice, and the medical service operator and indirect beneficiaries of doctor-patient caused by asymmetric information between the excessive medical behavior; Commercial insurance, on the other hand, the absence of medical service system, the patient's medical expenses burden is difficult to predict and mitigate.
 
    Printing of the general office of the state council "about speed up the development of several opinions of the commercial health insurance is put forward, to 2020 basic establishment perfect market system, rich product form, management integrity of modern health insurance services. Current reform has entered the deep waters, participating is the reform of the power. Although China's basic medical insurance coverage has reached more than 95%, but the basic health care is not equal to universal health care, nor provide a free medical care, to get better medical service, easing the burden on individuals, commercial insurance is indispensable. After years of groping in the developed countries, mostly by introducing commercial insurance to share the burden of medical expenses. Through the reverse supervision of insurance company was the key to reduce health care costs, to a certain extent, to curb excessive medical behavior.
 
    "What don't be sick, nothing don't have no money", this is a real portraiture of ordinary people afraid of sick, suffering from a serious illness to afford, living examples have been in trouble. Especially for some of the vulnerable groups, the sick can not see in time, the treatment can't timely treatment, afraid of be can't bear the high medical costs. Investigate its reason, medicare rely on government, cost single source is one of the root cause, and with the aid of the power of the market, with the reform of the ways to mobilize social forces, the development of commercial health insurance, and therefore, the basic medical insurance, helps to raise the level of people health care and meet the demand of multi-level health, promote the development of health services, expanding employment, promoting economic restructuring and improve people's livelihood.
 
    According to statistics, China's commercial health insurance since 2002, average annual growth rate of 27%, more than the average growth rate of the national economy and the insurance industry, the general improvement in security level of the masses. In the first three quarters of this year, commercial health insurance premium income of 126.036 billion yuan, up 46.97% from a year earlier. In the future, will continue to deepen reform, not only need to participate in medical industry, also need to use the power of the market, giving play to the role of a good commercial health insurance: on the one hand, to comprehensively promote the commercial insurance institutions entrusted to undertake a serious illness insurance, urban and rural residents increased in patients with serious illness medical reimbursement ratio; On the other hand, to enrich the commercial health insurance products, increase the intensity of government purchase services, support commercial insurance institutions to participate in all kinds of medical insurance agency services.