With the development of reform and opening up, Chinese living standards increase year by year and the health care spending has witnessed a rise as well. In the past five years, total medical and health expenditure growth rate is much higher than GDP growth rate. Faced with rising medical costs, more and more people choose to purchase insurance to reduce their health risks probability. Social health insurance covers widely and provides the most basic health care; commercial health insurance has features such as flexible buying terms, high level of security, diverse choices and so on. From international experience, we learn that governments around the world are committed to building a multi-level medical security system, our country is no exception. In January 2009, Executive meeting of the State Council adopted a project on Deepening Medical Health System Reform, which indicates the beginning of a new round of medical care reform. The project proposed to construct a medical care system with basic health care as the main body and other health insurance as supplement. Chinese scholars studying the cohesion between social health insurance and commercial health insurance are mainly based on qualitative research, and their researches are focused on the theoretical analysis or comparative study about foreign operate mode. This paper analyzes and confirms the feasible cohesion using quantitative method. Firstly, the dissertation describes the policy framework of new medical system reform and its effects to health insurances. Then based on data from CHARLS (China Health and Retirement Longitudinal Study), the paper analyzes the correlation between social insurance and health insurance needs under the New Medical System Reform, using insurance requirements model, cross-analysis theory and multiple linear regression analysis. Negative correlation suggests that health insurance is complementary to the coverage, residents choose one between social medical insurance and health insurance; positive correlation is shown to be complementary to the depth of insurance, and residents participating in social medical insurance buy extra commercial health insurance to shift more risk. Empirical analysis shows that social health insurance promotes commercial health insurance virtually, whose effect is related to average income of family. The results confirm that the cohesion between social health insurance and commercial health insurance is feasible. Thirdly, on account of previous analysis and realities, the dissertation provides appropriate ways to build the cohesion between them. Lastly, the paper gives its conclusion and advice from product innovation, professional management and other aspects.
