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There must be balance. With the insured population structure change, the sustainability of the Fund will be further affected. Huazhong University of Science had published 'China's medical and health Development Report 2014' predicts that in 2017 the basic medical insurance fund will appear the current income over expenditure of the phenomenon, the 2024 deficit will be a serious shortfall in the fund accumulated surplus of 735.3 billion yuan . Proposed to speed up the development of commercial health insurance experts believe that to build a more comprehensive health care system, in addition to controlling health care cost increases, regulatory and other measures to strengthen the health insurance fund, but also the development of various forms of supplementary medical insurance, including health insurance business increased support indispensable. From a global perspective, health care and more responsibility shared by the government, enterprises and individuals tripartite. At present, China's commercial health insurance claims paid in total health costs accounted for 1.3%, the average level in Germany, Canada, France and other developed countries, more than 10%, the United States up to 37%. In recent years, the rapid development of China's commercial health insurance, more than 100 insurance companies to carry out commercial health insurance business, up more than 2200, covering illness insurance, health insurance, nursing insurance and disability income insurance four categories, premium income amounted to 112.35 billion yuan. However, because the insurance company has long and close cooperation is not a hospital, some of the incidence of major diseases, medical expenses and other information, insurance companies unable to obtain, develop premium rates and therefore the lack of scientific basis for guiding, worrying health insurance product profitability, market still limited scale. On China Ping An recently organized the 'China Employee Health and Medical Benefits Report' conference, Ping An Health, director of marketing and research is still in the 'Economic Information Daily' reporters, said the doctor expenditure data from the analysis, within the social security reimbursement directory compared to just 48%, the remaining 52% of medical expenses shall be borne by the employees, these employees have made certain medical expenses facing pressure. In fact, the government continues to increase support for health care at the same time, the introduction of several commercial health insurance incentives. Last October, the 'Opinions on Accelerating the development of commercial health insurance,' introduced, to further improve the commercial insurance system development; published in May this year 'on the open