Private health insurance(PHI)is an important component of China's multi-tiered medical security system,meeting people's multi-level and diversified health needs through supplementing and connecting with the basic medical insurance(BMI).It aims to draw on the practical experience of typical countries to provide implications for developing PHI that complements BMI in China.Considering the different models of medical security systems in various countries and the diverse functional positioning of PHI,France,Germany,Australia,the United Kingdom,and the United States are selected as reference objects.After examining the macro institutional systems of PHI,coverage population,benefits packages,characteristics of coordination with health care and medicines,as well as supporting regulatory measures,the experiences are summarized.Based on China's context,it proposes to improve institutional system building,enrich product supply,expand the insured population,explore the coverage list formulation,and refine supporting regulatory policies.

The development of private health insurance is crucial for the construction of a multi-tiered healthcare security.Since entering the innovative development stage,the types and protection contents of private health insurance products have been continuously enriched,but there are still some problems.Taking Shanghai as the research object,it describes the development status of private health insurance in Shanghai by analyzing relevant policies,premium income,and product types.It locates many problems such as product supply and industrial synergy,such as uneven product distribution,insufficient product differentiation,insufficient information disclosure,and the need to improve the risk management and control capabilities of insurance institutions.It also puts forward suggestions such as enriching product types,optimizing insurance content,strengthening multi-party collaboration,and establishing a long-term mechanism to promote the high-quality development of commercial health insurance.

Constructing a multi-tiered healthcare security system can meet the diverse and individualized healthcare service demand of the general public.Public hospitals,as the main providers of healthcare services in China,effectively integrate with commercial health insurance,which can accelerate the implementation of high-quality healthcare services,promote innovative development,and optimize product coverage and operational efficiency for commercial health insurance,achieving a win-win situation.Taking Shanghai as the research object,it analyzes the supply and demand status of multi-tiered healthcare security in Shanghai based on population characteristics,economic level,healthcare resources,and policy environment.It identifies the difficulties in the current collaboration between public hospitals and commercial insurance.Finally,it proposes exploring the expansion of independent development space for specialized services,improving the level of coordination between commercial insurance institutions and public hospitals in health management services,promoting the management and sharing of data,strengthening the protection of innovative medicines and devices by commercial insurance,in order to promote the coordinated development of commercial insurance and public hospitals.

Based on on-site research in Shanghai,it takes a supply-side perspective to examine the current status of cooperation between Private Health Insurance(PHI)and the pharmaceutical industry.It discusses the issues existing in the cooperation and proposes policy recommendations for their coordinated development.It identifies three main cooperation models and products,which are the public-private integrated product"Hui Min Bao",the special drug insurance led by insurance companies,and the disease insurance for patients led by pharmaceutical enterprises.However,these models commonly face challenges such as the limited policy support,a lack of standardized cooperation between the two sectors,insufficient information and data exchange,immature innovative payment models,and difficulties in the application of innovative drugs.It argues that the key to coordinated development lies in leveraging the strategic purchasing power of PHI,devising rational payment strategies and standards to achieve a win-win situation for insurers,enterprises,healthcare providers and patients.Therefore,policy recommendations are proposed from the perspectives of establishing mechanisms,breaking barriers,strategic procurement,and supporting measures.

Private health insurance(PHI)is an important component of China's multi-tiered medical security system,meeting people's multi-level and diversified health needs through supplementing and connecting with the basic medical insurance(BMI).It aims to draw on the practical experience of typical countries to provide implications for developing PHI that complements BMI in China.Considering the different models of medical security systems in various countries and the diverse functional positioning of PHI,France,Germany,Australia,the United Kingdom,and the United States are selected as reference objects.After examining the macro institutional systems of PHI,coverage population,benefits packages,characteristics of coordination with health care and medicines,as well as supporting regulatory measures,the experiences are summarized.Based on China's context,it proposes to improve institutional system building,enrich product supply,expand the insured population,explore the coverage list formulation,and refine supporting regulatory policies.

The development of private health insurance is crucial for the construction of a multi-tiered healthcare security.Since entering the innovative development stage,the types and protection contents of private health insurance products have been continuously enriched,but there are still some problems.Taking Shanghai as the research object,it describes the development status of private health insurance in Shanghai by analyzing relevant policies,premium income,and product types.It locates many problems such as product supply and industrial synergy,such as uneven product distribution,insufficient product differentiation,insufficient information disclosure,and the need to improve the risk management and control capabilities of insurance institutions.It also puts forward suggestions such as enriching product types,optimizing insurance content,strengthening multi-party collaboration,and establishing a long-term mechanism to promote the high-quality development of commercial health insurance.

Constructing a multi-tiered healthcare security system can meet the diverse and individualized healthcare service demand of the general public.Public hospitals,as the main providers of healthcare services in China,effectively integrate with commercial health insurance,which can accelerate the implementation of high-quality healthcare services,promote innovative development,and optimize product coverage and operational efficiency for commercial health insurance,achieving a win-win situation.Taking Shanghai as the research object,it analyzes the supply and demand status of multi-tiered healthcare security in Shanghai based on population characteristics,economic level,healthcare resources,and policy environment.It identifies the difficulties in the current collaboration between public hospitals and commercial insurance.Finally,it proposes exploring the expansion of independent development space for specialized services,improving the level of coordination between commercial insurance institutions and public hospitals in health management services,promoting the management and sharing of data,strengthening the protection of innovative medicines and devices by commercial insurance,in order to promote the coordinated development of commercial insurance and public hospitals.

Based on on-site research in Shanghai,it takes a supply-side perspective to examine the current status of cooperation between Private Health Insurance(PHI)and the pharmaceutical industry.It discusses the issues existing in the cooperation and proposes policy recommendations for their coordinated development.It identifies three main cooperation models and products,which are the public-private integrated product"Hui Min Bao",the special drug insurance led by insurance companies,and the disease insurance for patients led by pharmaceutical enterprises.However,these models commonly face challenges such as the limited policy support,a lack of standardized cooperation between the two sectors,insufficient information and data exchange,immature innovative payment models,and difficulties in the application of innovative drugs.It argues that the key to coordinated development lies in leveraging the strategic purchasing power of PHI,devising rational payment strategies and standards to achieve a win-win situation for insurers,enterprises,healthcare providers and patients.Therefore,policy recommendations are proposed from the perspectives of establishing mechanisms,breaking barriers,strategic procurement,and supporting measures.

Private health insurance(PHI)is an important component of China's multi-tiered medical security system,meeting people's multi-level and diversified health needs through supplementing and connecting with the basic medical insurance(BMI).It aims to draw on the practical experience of typical countries to provide implications for developing PHI that complements BMI in China.Considering the different models of medical security systems in various countries and the diverse functional positioning of PHI,France,Germany,Australia,the United Kingdom,and the United States are selected as reference objects.After examining the macro institutional systems of PHI,coverage population,benefits packages,characteristics of coordination with health care and medicines,as well as supporting regulatory measures,the experiences are summarized.Based on China's context,it proposes to improve institutional system building,enrich product supply,expand the insured population,explore the coverage list formulation,and refine supporting regulatory policies.

The development of private health insurance is crucial for the construction of a multi-tiered healthcare security.Since entering the innovative development stage,the types and protection contents of private health insurance products have been continuously enriched,but there are still some problems.Taking Shanghai as the research object,it describes the development status of private health insurance in Shanghai by analyzing relevant policies,premium income,and product types.It locates many problems such as product supply and industrial synergy,such as uneven product distribution,insufficient product differentiation,insufficient information disclosure,and the need to improve the risk management and control capabilities of insurance institutions.It also puts forward suggestions such as enriching product types,optimizing insurance content,strengthening multi-party collaboration,and establishing a long-term mechanism to promote the high-quality development of commercial health insurance.