后医改时代商业医疗保险的定位与出路

Positioning and Orientation of the Commercial Medical Insurance in the Post-Medical Reform Era

伴随着第三次医疗体制改革的全面铺开,一个万众瞩目、波澜壮阔的"后医改"时代即将到来。作为我国医疗保障制度的一个组成部分,商业医疗保险是基本医疗保险的重要补充,具有商业医疗服务的融资功能和个人健康管理服务功能。医改对商业医疗保险需求与供给的影响都是多方面的,未来有较大的市场空间。发展的出路应该是:确立适当的竞争策略;通过扩大产品开发、争取税收优惠、降低交易费用等措施,将潜在的市场开发成现实市场;并要强化深入的价值链管理。

With the third reform of the medical institution in full swing, a grand post-medical reform era is coming. As a component of Chinese medical care system, commercial medical insurance, which assumes financing function of commercial medical care and offers personal health management service, is an important complement of the basic medical insurance. Medical reform leaves a huge impact on the demand and supply of commercial medical insurance, which allows room for a larger market. It orients towards： setting-up proper competition strategy; transforming the potential market into the real market through expanding product development, achieving tax incentives, reducing transaction costs, etc.; and strengthening the management of in-depth value chain.