Research on the Sustainable Development of Huimin Insurance within the Multi-Level Health Security System: A Case Study of C City

The inclusive commercial health insurance model of Huimin Insurance plays an important role in improving the multi-level security pattern and reducing the economic burden of healthcare for the general public. This paper applies a mixed research method that involves questionnaires and interview methods to investigate the current situation and sustainable development paths for the Huimin Insurance model in City C from both supply-side and demand-side perspectives. The research shows that the gap between income levels and supply guarantees affects the scale and enthusiasm for insurance. Meanwhile, the phenomenon of asymmetric information between insurers and consumers has led to cognitive biases and trust gaps between insurers and consumers. Furthermore, the gap between consumer demands and service qualities affects the depth of insurance coverage and satisfaction rates. Based on the research findings, relevant recommendations are put forward in this paper, aiming to provide theoretical support for the sustainable development of inclusive insurance products in City C and similar areas.