我国商业健康保险:发展现状、问题及对策

On Current Situation,Problems and Countermeasures of Chinese Commercial Health Insurance

商业健康保险具有健康管理和风险防范的社会保障功能,对分散疾病管控风险、完善我国基本医疗保障体制、破解经济社会发展难题以及维护社会公平与正义有着重要意义。十八届三中全会后,国家为商业健康保险的发展提供了更多的制度供给。《国务院办公厅关于加快发展商业健康保险的若干意见》明确指出,商业健康保险是我国医药卫生体制改革、经济提质增效升级中的"生力军"。本文在梳理我国商业健康保险发展现状的基础上,分析了当前制约商业健康保险发展的主要因素,以此为依据,提出了我国商业健康保险发展的对策建议。

Commercial health insurance,equipped with social security function of health management and risk prevention,is of significance for diversification of disease- management- and- control risk,perfection of Chinese basic medical security system,tackling economic and social issues and maintaining social fairness. After the Third Plenary Session of the 18 th Central Committee of the Communist Party of China,more related policies have been offered for the development of commercial health insurance. As Opinions of the General Office of the State Council on Accelerating the Development of Commercial Health Insurance clearly stated,commercial health insurance is the new force in the reform of Chinese medical and health system,improvement of service industry and quality of economy,but how to play its important role as the ＂ new troops＂ ？ The paper,based on current conditions of Chinese commercial health insurance,makes an analysis on major factors hampering its development,and puts forward related suggestions.