医疗卫生制度改革对寿险健康险经营的影响与对策

The impacts of medical system reform on health and life insurance businesses and suggested measures

在现有的医疗卫生体制下,寿险公司进行健康风险管理存在诸多难题。医疗卫生体制改革经过几年热议,基本框架已经形成。在改革朝着广覆盖、多层次保障迈出实质性步伐前,有必要充分探究医疗卫生体制改革对寿险、健康险经营和风险管理的影响,以便及时调整应对策略而相适应。

Life insurance companies have many difficulties in controlling health insurance risks under the existing medical and health system. The basic framework of medical and health system reform has taken shape after evolving over several years with repeated discussions. Before taking the first step towards the goal of extensive coverage and tiered protection in this reform, it is necessary for us to study the possible impacts of this reform on risk management of health and life insurance businesses. Then we may adjust our business strategy accordingly.