医保数据标准化推动健康险发展研究

Standardize the Insurance Data to Promote the Development of Health Insurance

中国健康险目前发展的业务模式和遇到的困难和美国早期非常类似,都是客户通过纸质账单,在治疗结束后到保险公司进行理赔,这种方式给保险行业带来了致命的问题,笔者希望通过对医保数据标准化工作的研究对中国的健康险事业有所启示。

The current business model and difficulties in the health insurance system is similar to that of the early stage of American, that is, the paper bills were reimbursed in the insurance company after each treatment. However, it brought fatal issues to insurance business. Hopefully, the research on standardizing the insurance data can provide some teachings for the business of health insurance in China.