我国社商融合型商业医疗保险现状及发展趋势分析  

Analysis on present situation and development trend of social and commercial integrated commercial health insurance in China

作　　者：肖敏琳 夏苏建[1] XIAO Min-lin;XIA Su-jian(School of Basic Medicine and Public Health,Jinan University,Guangzhou Guangdong 510632,China)

机构地区：[1]暨南大学基础医学与公共卫生学院,广东广州510632

出　　处：《卫生软科学》2021年第10期77-81,共5页Soft Science of Health

摘　　要：社商融合型商业医疗保险作为我国多层次医疗保障体系中至关重要的一环,在缓解就医压力,提高居民整体医疗保障水平上发挥了重要作用。这类保险的发展一方面受到政府政策支持,符合健康保险市场的需要,另一方面也面临着产品同质化、保障范围受限、缺乏长远设计等挑战。通过梳理目前国内上线的130余种社商融合型商业医疗保险产品,对比分析其经营模式及保障特点,探讨存在的主要问题,并针对现有问题提出相应的政策建议。As a crucial part of China s multi-level medical security system,social and commercial integrated commercial health insurance plays a vital role in alleviating medical treatment pressure and improving residents overall medical security level.On the one hand,the development of social and commercial integrated commercial health insurance is supported by government policies and meets the health insurance market s needs.On the other hand,it is also faced with the challenges of product homogeneity,limited coverage,lack of long-term design.By sorting out more than 130 types of social and commercial integrated medical insurance products currently online in China,this paper makes a comparative analysis of their business models and insurance features,discusses the existing problems,and puts forward policy suggestions for current issues.

关 键 词：社商融合型商业医疗保险 惠民保 商业健康保险 

分 类 号：R197[医药卫生—卫生事业管理] F842.6[医药卫生—公共卫生与预防医学]