Commercial health insurance in China and its role in the payment of drug costs

Baorong, Yu; Yufei, Jia

doi:10.4324/9781003325345-5

Cited by 1 publication

(2 citation statements)

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“…To ensure its sustainability, it is necessary to innovate the operating mechanism and increase the participation rate. Domestic scholars have a relatively unified definition of Anhui Huibao, with most scholars defining it as a "government led, commercial insurance undertaken, and voluntary participation" inclusive commercial health insurance [1][2][3][4]. At present, there is no nationwide welfare insurance product available.…”

Section: Introductionmentioning

confidence: 99%

“…Therefore, welfare insurance is also defined as "urban customized supplementary medical insurance" [5], which is a new attempt to improve the medical insurance system and promote modernization of government governance at the medical insurance level [6]. Because it is defined as an inclusive supplementary medical insurance, "inclusiveness" and "protection against major illnesses" are its two main characteristics, which can be further explained as "low premium, high coverage, wide threshold" and "protection against major illnesses" [7]. Since its inception, the sustainability of welfare insurance has always been a hot topic of discussion in academia.…”

Section: Introductionmentioning

confidence: 99%

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Research on the Willingness and Influencing Factors of Urban and Rural Residents to Purchase Inclusive Supplementary Medical Insurance

Qin

2023

SJT

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The customized commercial supplementary medical insurance with Chinese characteristics, characterized by active government participation, market-oriented operation of insurance companies, voluntary participation of residents, and protection for major diseases, has filled the gap between social basic medical insurance and traditional commercial health insurance, and has become an important breakthrough in building a multi-level medical insurance system in China. To understand the willingness of residents in Anhui Province to purchase "Anhui Huibao" and explore its potential market, expand the coverage of this commercial health insurance in the province. This article uses a binary logistic regression model to analyze the significant factors affecting the purchase intention of "Anhui Huibao". Among them, there is a significant negative correlation between the economic level of the respondents and their willingness to purchase commercial health insurance; There is a significant positive correlation between the number of hospitalizations of respondents in the past two years, their awareness of the cost of treating major diseases, and the age restriction of policyholders in Anhui Huibao, as well as their willingness to purchase. Finally, this article proposes suggestions.

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Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%