商业健康保险的经营目标和赢利模式

Operational Goals and Profitability Models of Commercial Health Insurance

据调查显示，我国居民对健康保险的需求高居人身保险业务之首，但健康保险赔付率高，经营成本高，可提费用低，管理难度大，保险公司经营积极性普遍不高。另外，从经营目标、可持续发展和盈利模式上，我国商业健康保险似乎都缺乏明确的指向，致使健康保险难以定位。必须充分认识商业健康保险的的社会管理功能，将社会管理功能纳入健康保险的经营目标，注重社会效益和经济效益的统一，走可持续发展的道路。

It is found out in consumer survey that demands for health insurance ranks much higher than demands for other types of life insurance for Chinese consumers. However, high claims rate, high operational cost, low expense allowance and management difficulty make it unattractive to many insurers. In addition, health insurance in China is not properly defined due to the lack of direction regarding business goals ,business sustainability and profitability model. The author holds that for the health insurance business to develop sustainably, the social management function of health insurance should be given proper consideration and integrated into its business goals and the commercial benefit and social benefit should be aligned.