我国商业健康保险的现状及发展战略研究

Research on the Current Situation and Development Strategy of China's Commercial Health Insurance

近年来,我国商业健康险保费收入、保险深度和保险密度增长速度较快,但市场份额依旧较低;各类健康险产品面临经营成本高、盈利压力大、产品形式单一、行业竞争无序等困境。对此,提出了我国商业健康保险的发展建议。

In recent years, China＇s commercial health insurance premium income, insurance depth and insurance density have grown at a fast rate, but the market share is still small. Various health insurance products face high operating costs, high profit pressure, single product form,and disorderly competition and other difficulties. In this regard, this paper put forward several development recommendations for China＇s commercial health insurance.