老龄化背景下中国商业健康保险的社会保障作用研究

Study on the Social Security Role of Commercial Health Insurance in China under the Background of Aging

商业健康保险具有缓解社会保障支出的作用,对于社会保障具有积极影响。基于老龄化背景下针对中国商业健康保险的社会保障作用进行研究。研究结果发现当人均商业健康保险的保费收入增加时,全国社保基金中的人均医疗保险支出将可因此显著减少,这说明中国商业健康保险的发展有助于缓解社会保障支出,从而能够减轻政府财政支出的负担和压力,与当前政府所提倡的积极发展商业保险,从而推进“健康中国”的战略计划实行的政策相符。

Commercial health insurance can alleviate social security expenditure and has positive influence on social security.Based on the aging background,this study studies the social security role of commercial health insurance in China.Research found that when the per capita commercial health insurance premium income increases,the national social security fund of medical insurance expenditure per capita will therefore significantly reduced,which indicates that the development of China’s commercial health insurance can help to ease social security expenditure,thus can reduce the burden of government spending and pressure.It is in line with the current government policy of actively developing commercial insurance to promote the“healthy China”strategic plan.