Multi-competition of German medical insurance system

German medical insurance fund encourages diversified competition and emphasizes self-management operation system, and implements diversified competition and self-management. The former emphasizes the external conditions of the operating system, while the latter emphasizes the internal environment of the fund. Germany's social market economy theory holds that when the market mechanism brings unacceptable consequences, the government can and should intervene, but the government cannot deny the market mechanism while intervening. Therefore, even government-run social medical insurance funds should introduce competition mechanism without exception. Another principle in the operation system, the principle of self-management, is not only the premise for economic organizations to operate independently and be responsible for their own profits and losses, but also requires citizens to participate in the management and decision-making of state or public affairs as much as possible. In medical insurance, it is emphasized that in addition to government management activities, employees and employers also have management responsibilities. Compared with the administrative management of the government, the advantage of the self-management of the International Monetary Fund is that it can consider the interests of stakeholders more and directly and clearly express the demand side requirements for medical insurance. At the same time, self-management can also better evaluate the management ability of the participating management groups. On the basis of self-management, self-management and self-financing, encouraging fund organizations to carry out competition is mainly reflected in the following aspects: First, opening up most medical insurance fund organizations, so that policyholders can freely choose fund organizations according to their own wishes. The second is to encourage the merger of small and local medical insurance funds and give full play to their scale advantages. The third is to support the premium level as the main means of competition and evaluate the advantages and disadvantages of fund management.