商业健康保险的定位与发展

The Orientation and Development of Commercial Health Insurance

在医疗保障体系中,商业健康保险是不可或缺的重要一部分,尤其是在基本医疗保险制度全面实施之后。近几年,政府十分重视健康保险,但发展依然缓慢。本文讨论了商业健康保险的定位,分析了现阶段我国大陆商业健康保险发展的制约因素。建议:政府加快医药卫生体制改革,保持基本医疗保险适度保障水平;商业保险机构转变思路,把重点从代理基本医疗保险业务、办理大病保险转移到属于自己长期经营的核心领域——商业健康保险,深入研究补充保障需求,加强新险种开发,积极培育专业人才,提高健康保险服务能力。

Commercial health insurance is an important part of medical insurance system, especially after basic medical insurance system has been comprehensively implemented in China. In recent years, the government is putting great concerns on health insurance, but it is still developed very slowly. This paper discusses on the orientation of commercial health insurance and analyzes current restraining factors for its development. It suggests that the government should speed up the reform of the medical and health system, maintain basic medical insurance on moderate level of protection; the institutions of commercial insurance should change the ways of thinking, such as shifting their agent roles for basic medical and serious illness insurance to the key area of commercial health insurance, in which they have had long term experience, intensively studying on the need of supplemental security, strengthening the development of new types of insurance, actively training professional personnel, and improving the service ability of healthy insurance.