1st Edition

China's Commercial Health Insurance

    516 Pages
    by Routledge

    516 Pages
    by Routledge

    This book examines the financing of China’s health system, argues that present arrangements are not adequate and proposes an increased role for commercial health insurance as a way of overcoming the difficulties. Highlighting that China’s present social medical insurance system can only cover basic medical services, with the results that many Chinese people with higher income are going abroad for high-quality medical services and that doctors are not bringing in the salaries and obtaining the social status they expect, the book suggests that commercial health insurance offers a possible solution, in that it can help meet the demand of higher-income groups for better healthcare services while at the same time increasing the income of more competent medical professionals. The book goes on to consider the current state of China’s commercial insurance industry, outlining the various challenges that the industry needs to overcome if it is to fulfil an increased role, challenges such as greater specialization, increased capacity, structural reform, improved regulation and closer integration with China’s medical reform programme.

    Research team members


    Lu Mai


    Fang Jin


    1 Main Report: Research project on China’s commercial health insurance 1

    CDRF Research Group

    2 Research Topic 1: Research on the supply of commercial health insurance in China

    Yu Guifang and Wang Qiguo

    3 Research Topic 2: Research on the demand for commercial health insurance in China

    Tao Cunwen, Z hou Hua, and Bai Wenjuan

    4 Research Topic 3: Role of and development model for commercial health insurance in China

    Shi Xiaojun, Wang Aoran, and Feng Pengcheng

    5 Research Topic 4: Policies and regulations relating to commercial health insurance

    Zhu Minglai

    6 Research Topic 5: Impact of comprehensive medical reform on commercial health insurance

    Zhu H eng peng, Zan Xin, and Sun Mengting

    7 Survey report on demand for commercial health insurance in China

    Qiu Yue and Guo Pei



    China Development Research Foundation is one of the leading economic think tanks in China, where many of the details of China’s economic reform have been formulated. Its work and publications therefore provide great insights into what the Chinese themselves think about economic reform and how it should develop.