我国巨灾人身意外医疗保险若干问题的研究

Study on the Issues of Accident Medical and Catastrophe Insurance in China Mainland

大量巨灾事例和数据证实巨灾意外及其医疗险市场存在失灵,其主要原因是巨灾风险属于国家安全风险,巨灾意外及其医疗险是公共产品,需要政府干预;这就需要突破监管政策禁区,将巨灾意外医疗险列为社会政策性保险。文章以此作为政府干预的核心,简述了市场干预的基本框架,并对巨灾意外及其医疗险产品设计因素作了相应思考。

The unworkable situation in the market of accident medical and catastrophe insurance is proved by many cases and a lot of data. The main reason is that catastrophe risk belongs to national safety risk, and accident medical and catastrophe insurance is a public product, which needs government intervention. We should break through the forbidden area of regulatory policy, and classify it as social insurance. Therefore, taking this as the key point for government intervention, this paper briefly introduces the framework of market intervention, and also considers relevant factors for the design of accidental medical and catastrophe insurance.