医疗服务供需保障模型与商业保险发展空间分析  

Analysis of the Supply and Demand Security Model of Medical Services and the Development Potential of Commercial Insurance

作　　者：刘源 

机构地区：[1]上海保险交易所,上海200122

出　　处：《中国医疗保险》2025年第3期85-91,共7页China Health Insurance

摘　　要：目的:重新审视商业保险发展的逻辑与空间,进而探讨对策与路径。方法:构建“需求—供给—支付—保险”分析框架,建立医疗服务供需保障模型,从专业性、便捷性、创新性、舒适性四个维度分析商业保险发展的切入口和生长点。结果:从专业性到便捷性、创新性和舒适性,直接作用于疾病治疗效果的相关性逐渐降低,民生基本性程度相应下降,反之则相应上升。结论:基本医保保障功能应随民生基本性的下降而减弱,商业保险作用应相应增强;商业保险保障重点应侧重于群众便捷性、创新性、舒适性需求与供给产生的相应支付。Objective:The paper re-examines the logic and space of the development of commercial insurance,and further explores countermeasures and paths.Methods:The paper constructs a"demand,supply,payment,and insurance"analysis framework,establishes a medical service supply and demand security model,and analyzes the breakthrough points and growth points of commercial insurance development from dimensions of professionalism,convenience,innovation,and comfort.Results:From professionalism,convenience,innovation,to comfort,the correlation directly affect the effectiveness of disease treatment gradually decreases,and the degree of basic livelihood decreases accordingly.Conversely,the correlation and degree increases.Conclusion:The security function of basic medical insurance should weaken with the decline of people's basic livelihood,and the role of commercial insurance should be correspondingly enhanced.The focus of commercial insurance security should be the corresponding payments generated by the demand and supply of convenience,innovation,and comfort for the public.

关 键 词：医疗服务 需求 供给 支付 商业医疗保险 

分 类 号：F840.684[经济管理—保险] C913.7[社会学]