基于稀土矿区居民健康需求的商业健康保险创新  

作　　者：边俊杰 汪艳莉 

机构地区：[1]赣南师范大学商学院

出　　处：《企业经济》2018年第4期186-192,共7页Enterprise Economy

基　　金：国家社会科学基金青年项目"我国稀土资源地环境风险准备金制度研究"(项目编号:13CJY126)

摘　　要：目前保险市场上不仅存在对离子型稀土矿区居民商业健康保险的"红线歧视"现象,而且存在矿区企业环境污染责任保险难以落实的状况。本文通过对赣州市稀土矿区居民商业健康保险产品的调研和实证研究发现,该矿区的居民健康保险需求明显上升,但这种需求还不能得到有效满足。为实现矿区居民健康可持续发展,以大数据为基础创新推出个人健康指数保险产品,并围绕这一目标开展服务创新、运营机制创新等内容是可行的。为开展这一创新,还需要从政府和保险公司两个层面,综合实施健康风险评价、税收优惠、财政补贴等配套政策。In the present insurance market, there exist not only the phenomenon of ＂red line discrimination＂ against the comme1~ial health insurance for residents in ion-type rare earth mining area, but also the situation that environmental pollution liability insurance for enterprises in mining area could hardly be implemented. By investigating the products of resident commercial health insurance in Ganzhou rare earth mining area, the empirical results show that the residents＂ need tbr the health insurance is on the increase, but could not be effectively satisfied. So with big data it is practicable to work out innovative insurance products based on individual health index to realize health sustainable development of the residents in mining area and carry out innovation in service and operation mechanism aiming at this goal. In order to carry out this innovation, it also needs supporting policies from government and insurance companies in terms of health risk evaluation, tax preference and financial subsidy.

关 键 词：离子型稀土矿区 居民健康需求 商业健康保险 个人健康指数保险 

分 类 号：F842[经济管理—保险]