Expert: To improve the multi-level medical insurance system should speed up the integration of commercial insurance and social insurance

A few days ago, the China News Agency's internal seminar "The State Is the Forum•The State Is Seeing the Two Sessions" with the theme of "Improving the Multi-level Medical Security System and Promoting the Development of Commercial Health Insurance" was held in Beijing.

Zheng Gongcheng said that the current development of China's multi-level medical security system is seriously lagging behind, and "multi-level" is in a state of lack.

In Zheng Gongcheng's view, this situation is caused by many reasons: the basic medical insurance system has not been finalized, resulting in the unclear development space of other health insurance, and the public lacks clear and rational expectations.

Zheng Gongcheng stated that basic medical insurance must pursue fair and universal benefits, and basic insurance is a necessary condition to achieve this goal.

He particularly emphasized that commercial health insurance must follow market rules.

Zhou Yanli said that although China's health insurance business has developed rapidly in recent years and has played an active role, the coverage is still insufficient, and the expenditure on health insurance is far from that of developed countries, and some problems have been exposed in the development process.

First, the product structure is relatively single, and the degree of product homogeneity is relatively high, which has a certain gap with market demand.

Second, the service capabilities of professional health insurance companies need to be strengthened.

  Third, inter-departmental and inter-agency cooperation still needs to be strengthened.

  How to further promote the high-quality development of health insurance, accelerate innovation, and promote supply-side structural reform? Zhou Yanli made three suggestions.

  One is to increase policy support.

  The second is to build a unified national disease database and medical expense database, and speed up the standardization of data interfaces.

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