商业健康险发展的国际经验及启示

International Experience and Enlightenment of Health Insurance Development

我国的商业健康险发展历史较短,且始终面临着社会认可度不高、风控及盈利能力不佳、道德风险较高及产业话语权较弱等问题,不仅制约了商业健康险本身的发展,也抑制了健康产业的繁荣。文章通过剖析美国专业健康险的发展经验,发现商业健康险应树立以"提高人民群众健康水平"为核心的发展观,与社会保险相衔接,加强对健康产业的资源整合。从大健康的视角,全面服务于客户的预防保健、运动健身及医疗护理等日常生活、健康管理之中,这样才能够突破发展瓶颈,实现客户、保险机构、大健康产业和社会的多方共赢。

In China, commercial health insurance has a short history of development, and has been facing with the problems of low social recognition, poor risk control and profitability, high moral hazard and weak industrial discourse power and other issues, which not only restricts the development of commercial health insurance itself, but also inhibited the health industry boom.Through in-depth analysis of the development experience of professional health insurance in the US, commercial health insurance institutions should be established in order to improve the level of people＇s health as the goal, strengthen to the integration of resources in the health industry, comprehensive services to customers of the sports fitness and medical care, daily life, health management and to be able to break the bottleneck of development, to achieve win-win situation of customers, insurance agencies, health industry and society.