In recent years, with the acceleration of the pace of the Chinese policies of reform and opening to the outside world, people's living standards increase year by year and the quality of people's lives has been improved as well. Thus, the concept of "Commercial Health Insurance" gradually incorporates into people's lives. More and more people choose to purchase commercial health insurance to reduce their health risks probability. But as the purchasing rate of commercial health insurance has been increased, problems ensue. Due to the fact that China is still one of the developing countries and commercial health insurance in China started relatively late, the market is not mature. Development status is far behind the developed countries, such as Europe and the U.S, On current development situation of commercial health insurance in China, the equivalent of level of 50-80s of the last century in developed countries such as Europe and the U.S. From international experience, we learn that early in the development of commercial health insurance, governments all over the world will unveil a number of policies to support its development, our country is no exception. On January 2009 Executive meeting of the State Council adopted a project on Deepening Medical Health System Reform and the Implementation of Deepening the Reform of Medical and Health in 2009-2011, which indicates that a new round of medical care reform project has been officially unveiled. New medical system reform is a indispensable foundation to reach the great goal of the right of access to basic medical health service. This dissertation discusses the background of implementation of the new medical system reform, involves contents of what opportunities and challenges Chinese commercial health insurance will encounter under the new medical system reform and how to grasp the opportunities as well as to cope with challenges in the medical system reform in such a case. Meanwhile, what we also cannot ignored is that although there are some welcomed advantages in the commercial health insurance in China, several unreasonable problems still exists due to the reason that commercial health insurance in China is still in the early stages of development. Situation of commercial health insurance in China is not optimistic. The dissertation analyses the development of commercial health insurance in China as a clue to its current situation, its advantages, problems one by one. In light of the current status of commercial health insurance in China and the new medical system reform background, offered the prospects of commercial health insurance in China and made a number of commercial health insurance proposals as well
