What are the problems of health insurance in my country?

1) The concept of operating life insurance and the Fang Weiyuan method are used to operate health insurance, (2) there is a lack of empirical data, and (3) there are shortcomings in China's medical system: first, the allocation of medical resources is unreasonable, and the medical services that should be implemented in community medical and health service institutions have to be solved in large hospitals;

second, the phenomenon of "using medicine to maintain medicine" is serious; Third, some doctors lack professional ethics, (4) lack of professional business entities and commercial health insurance professionals, and (5) there is serious insurance fraud.

Answer]: a, b, c, d, e

The problems faced by the development of health insurance in China are: the health insurance market is not standardized, the business scale is not large, and the existence of insurance is not standardized.

First, the level of product homogeneity is too high, the term is short, and there is low-price competition; The short-term sensitization of business behavior and the non-specialization of auspicious celebration have affected sustainable development; Fast payout ratio**; There is duplication between the current social medical insurance system and the health insurance industry in terms of insurance liability, and there is a lack of cooperation mechanism in the health insurance industry.

Looking at the development of China's insurance industry in the past 20 years, objectively speaking, China's insurance market is still in the stage of primary development, which is mainly manifested in the following aspects.

First, China's insurance market is still basically an oligopoly.

Second, the development of China's insurance industry is still at a low level.

Third, the structure of China's insurance market is unevenly distributed.

Fourth, the level of professional operation of China's insurance industry is not high.

Fifth, the insurance market has not yet formed a complete system.

Sixth, the development of the reinsurance market is lagging behind and insurance supervision needs to be strengthened urgently.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Health insurance is a type of insurance that guarantees that people can receive medical care and financial support in the event of an accident or illness.

The need to enjoy health insurance due to health reasons mainly refers to the situation that has an accident or illness, resulting in the need to pay high medical expenses, and cannot bear or bear greater financial pressure. For example, sudden occurrence of serious emergencies, surgeries, etc., which require hospitalization**, as well as long-term chronic diseases**, are all cases that require health insurance.

The main function of health insurance is to provide financial support for people in the event of an accident or illness, help them bear medical expenses, and reduce their financial burden.

Answer] :d there have always been two major problems with health insurance in the insurance industry, namely adverse selection and moral hazard.