After 30 years’ development the commercial medical insurance in China obtained the initial results. For example,the business had been expanded and the insurance density had increased steadily,insurance product was variety with more and more proprietors,the service areas had been broaden continually while the social influence became greater. However,some problems also existed,such as the low health insurance penetration rate,the small proportion of GDP,the obvious contradiction between supply and demand,the tense conflict between market potential and risk and so on. The article advanced that commercial medical insurance should grasp the favorable opportunity of the new medical reform,use the experience of other countries for reference,and accelerate the healthy development,in order to meet the diversified needs of the masses of medical security.