论我国健康保险的专业化经营

On Specialized Health Insurance Operation in China

健康保险需要进行专业化经营已成共识。健康险专业化经营是相对健康险兼业经营而言的，即是由专业的健康保险公司或在保险公司内设事业部、健康保险部，利用专业的人才、技术、信息管理系统等经营健康险并对其进行单独核算。我国商业健康保险的专业化经营主要包括专业化经营理念、专业化组织架构、专业化人才队伍、专业化管理制度、专业化信息系统、专业化产品设计和专业化客户服务。

Specialized operation of health insurance business has become a consensus. Relative to non-specialized operation, specialized operation refers to the arrangement that specialized health insurance company or health insurance department or business unit inside the insurance company operate health insurance business with specialized talents, technology and information management system on a separate account basis. Specialized commercial health insurance operation is composed of specialized operational concepts, specialized organizational structure, specialized team, specialized management system, specialized information system, specialized product design and specialized customer service.