China's medical security system is a multi-level system that covers urban and rural residents, including basic medical insurance, commercial health insurance, and various forms of supplementary medical insurance. Commercial health insurance and social medical insurance have a close interactive relationship, and there is a trend of integration and coordinated development between the two. In order to promote a higher level of integration and coordinated development between them, this paper uses insurance data from the Pearl River Delta, East Wing, West Wing, and mountainous regions of Guangdong Province from 2015 to 2021 as samples. It employs a coupling coordination model from physics to empirically analyze the coordination relationship between commercial health insurance and social medical insurance systems in Guangdong Province from both temporal and spatial perspectives. The results indicate that in Guangdong Province, there is indeed a coupling relationship between commercial health insurance and social medical insurance, with a relatively high degree of coupling and a significant mutual impact. The coupling coordination between the two is gradually stabilizing. As far as the four major subregions of Guangdong Province are concerned, the development of commercial health insurance and social health insurance in the Pearl River Delta (PRD), the East Wing, the West Wing and the mountainous areas of Guangdong Province also shows obvious regional characteristics due to the different levels of regional economic development, geographic locations, and cultural attitudes. This requires the government to update local policies to suit the times, and enterprises as well as major medical institutions to help promote innovation in the diversified health insurance industry.

Ziwei Li, Xusheng Zhang, Jiazhen Mo, Xinyi Wang. Empirical Study on the Coordinated Development of Commercial Health Insurance and Social Medical Insurance in Guangdong. Academic Journal of Humanities & Social Sciences (2023) Vol. 6, Issue 21: 41-52. https://doi.org/10.25236/AJHSS.2023.062108.

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