我国商业健康保险现状及发展方向分析

Analysis on the Current Situation and Development Direction of the Commercial Health Insurance in China

随着新医改的深入,基本医疗保险中商业健康保险比重不断增加。通过梳理国内外商业健康保险的相关文献发现,我国商业健康保险的研究集中于其在补充医疗中的作用及影响因素等方面,文献显示影响我国商业健康保险的主要因素是政策环境、市场环境、行业制约等,"保险保单+健康管理"将会成为未来商业健康保险的主要模式。

With deepening of the new health care reform, the proportion of commercial health insurance in the basic medical insurance is increasing. By combing the relevant research of domestic and foreign commercial health insurance, it is obvious that the research on the commercial health insurance of our country concentrates on its function and influence factor in supplementary medical treatment, which is mainly influenced by many factors, such as policy environment, market environment, and industry constraint. The model of ＂insurance policy ＋ health management＂ will be a trend of commercial health insurance in the future.