基于人口结构变动的商业健康险发展研究--以辽宁省为例  

Development Research of Health Insurance Based on the Change of Population Structure--A Case Study of Liaoning Province

作　　者：刘苡曈 车辉 LIU Yi tong;CHE Hui(Shenyang Aerospace University,Shenyang 110000,China)

机构地区：[1]沈阳航空航天大学安全工程学院,辽宁沈阳110000

出　　处：《哈尔滨学院学报》2024年第6期51-56,共6页Journal of Harbin University

基　　金：辽宁省保险学会2021年度研究课题资助项目,项目编号:2021ilkt17;本科实践教学质量提升工程,项目编号:310122001。

摘　　要：经济社会的发展和生活水平的改善使得人们对健康问题日渐重视。我国商业健康险起步较晚,借力健康中国的政策及在健康险市场大力推进的背景下,辽宁省商业健康险也有了较大的发展空间。文章基于辽宁省人口结构的变化及对未来趋势的预测,分析商业健康险的需求,结合当下辽宁省主要保险公司的供给情况,针对供需缺口为其提出增品、扩面、提效的路径对策,以期促进辽宁省商业健康险市场的健康发展。The development of the economy and society,as well as the improvement of living standards,have led people to pay increasing attention to health issues.China’s commercial health insurance started relatively late,and with the support of Healthy China policies and the vigorous promotion of the health insurance market,Liaoning Province’s commercial health insurance also has significant development space.Based on the changes in the population structure of Liaoning Province and the prediction of future trends,this article analyzes the demand for commercial health insurance,combined with the current supply situation of major insurance companies in Liaoning Province,and proposes path research for adding products,expanding coverage,and improving efficiency to address the supply demand gap,in order to promote the healthy development of the commercial health insurance market in Liaoning Province.

关 键 词：商业健康险 人口结构 增品 扩面 提效 

分 类 号：F840[经济管理—保险]