城市定制型商业医疗保险的典型案例与商业可持续思考  

Typical Cases of Urban Customized Commercial Medical Insurance and Sustainable Thinking in Business

作　　者：刘妍[1] 陈诺 LIU Yan;CHEN Nuo(School of Finance,Nanjing Audit University,Nanjing,Jiangsu 211815,China)

机构地区：[1]南京审计大学金融学院,江苏南京211815

出　　处：《金融教育研究》2022年第4期28-37,共10页Research of Finance and Education

基　　金：国家社会科学基金项目“后脱贫时代返贫风险评估与保险反贫困的长效机制研究”(19BJY171);江苏高校青蓝工程资助。

摘　　要：城市定制型商业医疗保险顺应政策号召、以普惠金融理念为支撑,在短期内取得巨大成功。随着试点工作的推进,该业务面临现实发展困境,如保障程度有限、逆选择风险突出等,使得城市定制型商业医疗保险难以实现商业可持续发展。如何在普惠性与可持续性之间找到平衡点是其发展与改革的关键。基于对城市定制型商业医疗保险发展现状的梳理,通过典型案例剖析,借鉴基本医疗保险与商业健康险的发展经验,提出城市定制型商业医疗保险可持续性发展的优化路径。Urban customized commercial medical insurance has achieved great success in the short term,following the call of policy and supported by the concept of Inclusive Finance.With the promotion of pilot work,the business is faced with practical development difficulties,such as limited guarantee degree,adverse selection risk is prominent,which makes it difficult for urban customized commercial medical insurance to achieve sustainable commercial development.How to find a balance between inclusiveness and sustainability is the key to its development and reform.Based on the analysis of the status quo of the development of urban customized commercial medical insurance,through the analysis of typical cases and the experience of the development of basic medical insurance and commercial health insurance,this paper puts forward the optimization path of the sustainable development of urban customized commercial medical insurance.

关 键 词：普惠金融 普惠保险 城市定制型商业医疗保险 逆选择 

分 类 号：F842.6[经济管理—保险]