The cultural differences in the measure of value, mode ofthinking, code of conduct and consume concept, etc. In the orient and western countries were analyzed. The differences in the cultural back ground, nature, psychology and social effects of the health insurance system in the orient and westem countries and the true meaning of the culture of Medisave Scheme in Singapore and the culture of health insurance system in Germany were investigated. Finally, the authors traced the basic health to its origin.Looking forward to the twenty - first century, the growth rate of the population inthe developed countries will decrease and the population structure will be aged seriously. The social support coefficient will rise. The mode of the health insurance system in Germant - a compulsory social insurance mechanism, as a representative of westerm culture would face a crisis of insurance economics. Singapore mode of the health insurance system, a representative of orient.culture will become a model ofreformed health insurance system in the developing and industrialized countries. Finally it may be the basic mode of the culture of health insurance system in the word.