Quantitative Evaluation of China's Commercial Health Insurance Policies Based on the PMC-Index Model

This is the authors' abstract. We don't add key points for this paper.

Abstract Objective This study aims to quantitatively evaluate China's commercial health insurance (CHI) policies and provide a reference for improving the policy.Methods By means of the text mining and literature research method, the Policy Modeling Consistency Index (PMC-index) model of CHI policies is constructed. Then, the 22 included policies are analyzed one by one, and the PMC surface chart of the overall policies is constructed to reflect the current status of CHI policies in China macroscopically.Results The PMC-index model consisted of 10 primary variables and 41 secondary variables. This study found that the average PMC index of the 22 policies included is 7.47, suggesting that existing policies are generally of high quality. Among them, good policies accounted for 18.18%, and excellent policies accounted for 81.82%. Among the primary variables, X10 (policy disclosure) had the highest score, and the scores of other primary variables were ranked as X3 (policy recipients) > X5 (policy content) > X6 (policy tools) > X8 (cooperation and connection) > X7 (content evaluation) > X1 (policy nature) > X9 (policy goals) > X4 (policy incentives) > X2 (policy timeliness).Conclusions At present, China's CHI policies are generally at an excellent level. However, there is still room for improvement with regard to “policy incentives, policy goals, content evaluation, policy tools and policy content”. We recommend that policymakers optimize China's CHI policies by improving the policy incentive mechanism; balancing policy goals; clarifying task distribution; optimizing policy tool structure; and developing inclusive health insurance.