惠民保发展下我国商业健康保险的发展策略  

Development Strategies for Commercial Health Insurance based on the Development Experience of City-customized Commercial Medical Insurance in China

作　　者：吴蓉 庞庆泉 赵云 WU Rong;PANG Qingquan;ZHAO Yun(School of Public Health and Management,Youjiang Medical University For Nationalities,Baise Guangxi 533000,China;不详)

机构地区：[1]右江民族医学院公共卫生与管理学院,广西百色533000 [2]徐州医科大学管理学院,江苏徐州221000

出　　处：《卫生经济研究》2023年第9期15-18,共4页

基　　金：国家社会科学基金项目“健康治理视角下公共卫生、医药服务与医疗保障的三位一体融合协同机制研究”(21XGL018)。

摘　　要：阐述我国商业健康保险的发展背景,分析其中的痛点:保费收入增加,但保障作用有限;市场主体多元化,但核心能力有待提高;保险产品丰富,但供需错配依旧存在。对此,借鉴惠民保的发展经验,提出我国商业健康保险的发展策略。This article elaborates on the development background of commercial health insurance in China and analyzes the pain points,such as the increase in premium income but the limited protection effect,diversified market entities but weak core capabilities,abundant insurance products but the mismatch between supply and demand.Based on the development experience of city-customized commercial medical insurance,this article proposes development strategies for commercial health insurance in China.

关 键 词：商业健康保险 惠民保 多层次医疗保障体系 补充医疗保险 

分 类 号：F840.684[经济管理—保险]