Abstract: The tendency of the reform of public health services is to implement secure free medical service system for the staffs in cities and towns.With the development of the economy, the renewal of medical examination means and constant appearance of new medicines and treatments, the medical costs often exceed the paying ceiling of basic medical insurance, for most of families with middle-and-low income, the expenses on their own account, become a heavy economic burden.The good way to solve it is to purchase business medical insurance.