专属普惠保险发展挑战与优化路径——以海南省“惠肝保”为例  

Development Challenges and Optimization Paths of City-customized Inclusive insurance--Taking"HuiGan Insurance"in Hainan Province as an Example

作　　者：李晓涵 树婷婷 李雯靖 李雯婷 徐伟[1] LI Xiaohan;SHU Tingting;LI Wenjing;LI Wenting;XU Wei(School of International Pharmaceutical Business,China Pharmaceutical University,Nanjing Jiangsu 211198,China;不详)

机构地区：[1]中国药科大学国际医药商学院,江苏南京211198

出　　处：《卫生经济研究》2025年第4期1-4,共4页

摘　　要：目的:分析专属普惠保险发展现状,提出发展建议。方法:以海南省“惠肝保”为例,总结专属普惠保险的特点及面临的挑战。结果:专属普惠保险具有针对性较强、保障待遇较高及设置等待期等特点,也面临对特定风险群体保障不全面、与惠民保具有同质性的挑战。结论:因地制宜设计专属普惠保险,强化与惠民保的差异性和互补性,实施等待期简易核保,联动多元主体协同发展,从而实现专属普惠保险与惠民保协同、互补可持续发展。Objective To analyze the existing development challenges of city-customized inclusive insurance,and to put forward suggestions for optimizing development.Methods Taking"HuiGan Insurance"in Hainan Province as an example,the characteristics and possible main challenges of city-customized inclusive insurance were summarized.Results The city-customized inclusive insurance was characterized by stronger targeting,higher protection benefits and a certain waiting period.Meanwhile,there were some problems such as incomplete protection for specific risk groups and homogeneity with the Huimin insurance.Conclusion It is necessary to design city-customized inclusive insurance according to local conditions,strengthen the differentiation and complementarity between city-customized inclusive insurance and Huimin insurance,implement simple underwriting during waiting period,and link up multiple main bodies for synergistic development,so as to realize the synergistic,complementary and sustainable development of city-customized inclusive insurance and Huimin insurance.

关 键 词：专属普惠保险 惠民保 可持续发展 补充医疗保险 

分 类 号：F840.684[经济管理—保险]