The operation of China's social basic medical insurance in recent years shows that it is difficult to meet the rapidly growing health protection needs of the broad masses of the people by relying solely on government forces, while China's commercial health insurance is still in the primary stage of development, with a low degree of specialization and far from playing its due important role. Commercial health insurance is an important part of China's medical security system, which is related to the lives and vital interests of the broad masses of the people. The development of commercial health insurance has attracted great attention from the CPC Central Committee and the State Council. Premier Wen Jiabao has given important instructions twice, pointing out that "gradually developing commercial health insurance and combining commercial health insurance with social medical insurance will not only help meet the medical needs of the broad masses of the people, but also help develop the economy and stabilize the society." Wu Dingfu, Chairman of the China Insurance Regulatory Commission, pointed out, "This important directive is the action program of commercial health insurance in the new era. It is necessary to actively play the social management function of the insurance industry, promote the specialized operation of commercial health insurance, accelerate the development of commercial health insurance, and serve the establishment of a sound socialist market economic system. " On June 30th, 2004, the State Council approved the establishment of China People's Health Insurance Co., Ltd., the first professional health insurance company in China, and the leaders of the State Council made important instructions. The establishment of China People's Health Insurance Co., Ltd. is conducive to improving and enhancing the effective supply capacity of the commercial health insurance market, mobilizing and tapping the demand potential of commercial health insurance, and gradually realizing the scale and industrialization of commercial health insurance; It is beneficial to play the social management function of commercial health insurance, integrate social resources to form a joint force of health management and service, reduce the burden and management cost of the government, build a multi-level and diversified medical security system, and promote the perfection of the socialist market economic system; It is conducive to improving the health quality and quality of life of the whole people, truly realizing that the broad masses of people have medical care and worry about their diseases, and promoting people's happiness and social harmony. The annual premium income of PICC Health in 2005-20 12 is as follows: annual premium income (ten thousand yuan) 2005 5365 2006 8837 2007 260500 200813776912009 620093 201.