The H-share listing of Xinhua Life Insurance plummeted by 9.82%, breaking the criticism of 14 insurance companies by the China Insurance Regulatory Commission. PICC life insurance funds will exceed 20 billion yuan, and the state encourages institutions to develop fresh agricultural products insurance 1 month. Non-Beijing employees in Beijing should be included in the development strategy of maternity insurance —— Suggestions for the new chairman of the China Insurance Regulatory Commission. Secondly, the new medical reform program also affirmed the social management function of commercial health insurance, which mainly refers to encouraging commercial insurance institutions to handle all kinds of medical care in the field of social insurance sponsored by the government. In this field, the hottest topic recently is undoubtedly the simultaneous reform of medical system in China and the United States, and the commercial health insurance involved is one of the most concerned contents of the industry media. The medical reform advocated by Obama in the United States, from the final result passed by Congress, the biggest change is in the medical services provided by the government for small business owners and the elderly; However, Obama's initial proposal to provide services for the government's medical plan through commercial competition was not passed. The problems of high fees, unreasonable fees and excessive medical care in the health field of China Medicine (600056, Share Bar) have not been raised as the most important problems in the process of medical reform in the United States. The HMO Act passed by the US Congress in 1973 focuses on solving the problems of the US medical market and efficiency. In other words, at that time, the United States had begun to effectively solve such problems. HMO Act originated from a control strategy put forward by President Nixon at that time. Its core idea is to introduce health insurance organizations established by private insurance institutions as the third party in the medical market to control doctors' over-treatment, over-examination, high fees and arbitrary charges. It is also based on this bill that the medical reform of the United States 1973 has been promoted, and insurance institutions have become an important part of the modern trilateral medical market structure and the modern medical service system. Similarly, in Germany, Britain and other countries, insurance institutions have changed the incentive and restraint organization of the medical system and the operation mode of the medical market through the management of chronic diseases and medical institutions, so that they can be organically integrated into the medical service system. Commercial health insurance can play an important role in improving the medical service system. Through the analysis of "health economics", it can be seen that commercial health insurance will only play a role when the traditional bilateral market composed of doctors and patients begins to fail. The connotation of bilateral market failure is that in a market composed only of doctors and patients, there are some market inefficiencies, which can be divided into two categories: one is that "supply induces demand" leads to excessive medical treatment; Second, the disease-oriented rather than health-oriented medical system has led to the failure of most chronic diseases treatment. "Supply-induced demand" means that under the condition of asymmetric information between medical providers and patients, medical providers abuse their professional information advantages to seek benefits and induce patients to increase their demand for unnecessary medical services. The disease-oriented rather than health-oriented medical system has led to the failure of chronic disease treatment. In recent years, the number of patients with cardiovascular and cerebrovascular diseases, malignant tumors and other diseases in China has been rising. According to the national health service survey in 2008, the number of cases of chronic diseases has reached 265.438+0 billion. These can't be cured by traditional medical means, but can only be prevented and controlled by a healthy lifestyle. The above-mentioned medical market failure makes the medical service system in some developed countries begin to enter commercial insurance institutions, that is, commercial insurance institutions become the third party in the medical market. What is the relationship between the three markets? Doctors and medical demanders in hospitals are traditional activities. On the one hand, insurance companies manage medical suppliers, on the other hand, they manage medical demanders, mainly relying on the functional innovation of modern commercial health insurance to correct both sides. Through its own innovation, commercial health insurance has changed the operation mode of the medical market and also changed the system and mechanism of the medical market. What reference does this have for the new round of medical reform being implemented in China? There are two main points in China's new medical reform. The first is the issue of fairness.