Objective: The paper summarizes the experience of commercial health insurance development in France, mainly based on social medical insurance, to offer recommendations for the development of commercial health insurance in the context of social medical insurance in China. Method: The paper utilizes the method of literature review to analyze the operational mechanisms of commercial health insurance in France and summarize its operational experience and characteristics. Results: French commercial health insurance has a high rate of coverage, which is closely integrated with statutory health insurance benefits, and operates under a well-regulated system with positive outcomes. Conclusion: China should enhance the coverage rate of commercial health insurance, set basic guarantee level, promote diversified development of commercial health insurance, and continue to promote the standardized development of inclusive commercial health insurance to cope with various challenges in the sector of commercial health insurance.
Key words
France /
commercial health insurance /
universal coverage /
implication
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