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Development of Commercial Health Insurance in China: A Systematic Literature Review

机译:中国商业健康保险的发展:系统文献综述

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摘要

Facing difficulties like increasing health burden and health inequity, China government started to promote commercial health insurance (CHI) in recent decades. Several policies and announcement have been issued to build up a favorable environment for development of commercial health insurance. Meanwhile, scholar tried to investigate the related issues in purpose to further improve the situation in China. Therefore, we performed this systematic review in order depict a comprehensive picture on the current evidence-based researches of CHI in China. We searched PubMed, ScienceDirect, and CNKI, supplemented with hand search in reference lists, for eligible studies published from 1990 January to 2018 April. Also, hand search was conducted to select suitable articles from international organization and reference list of eligible articles. Two independent reviewers extracted the data from eligible articles and input into a standardized form. Based on the inclusion criteria, 35 articles were included in this systematic review. Most of the studies were quantitative researches with topics such as the development level of commercial health insurance in China, the demand and supply issues related, and the relationship and influence of social health insurance, as well as the moral issues evolved from commercial health insurance system. In summary, CHI in China is still at the early development stage. Among those few evidence-based articles, the findings suggested several policy implication and different market strategy. With the initiation of new health reforms and implementation of taxes policy, more empirical researches should be conducted on issues relating to the practical operation of CHI.
机译:面对日益增加的医疗负担和医疗不公等困难,中国政府在最近几十年开始推广商业医疗保险。为了建立有利于商业健康保险发展的环境,已经出台了多项政策和公告。同时,学者试图调查相关问题,以进一步改善中国的情况。因此,我们进行了系统的综述,目的是对中国CHI的最新循证研究进行全面描述。我们搜索了PubMed,ScienceDirect和CNKI,并在参考列表中进行了手动搜索,以寻找1990年1月至2018年4月发表的合格研究。此外,还进行了人工搜索以从国际组织中选择合适的文章以及合格文章的参考清单。两名独立的审阅者从符合条件的文章中提取了数据,并以标准化的形式输入。根据纳入标准,本系统评价纳入了35篇文章。大部分研究都是定量研究,其主题包括中国商业健康保险的发展水平,相关的供需问题,社会健康保险的关系和影响以及商业健康保险体系演变出的道德问题。 。综上所述,中国的CHI仍处于早期发展阶段。在那几篇基于证据的文章中,研究结果表明了一些政策含义和不同的市场策略。随着新的卫生改革的开始和税收政策的实施,应该对与CHI的实际操作有关的问题进行更多的实证研究。

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