健康存量+生命价值的融合关联与启示

Fusion Association between Health stock and Life value and its Enlightenment

经济与健康之间的关系,一直是经济学、社会学、保险学及医学研究的热点之一,是打造健康中国、发展创新保险保障的重要研究领域。在卫生经济学中,健康存量是健康管理的核心内容之一,增加健康的存量,减少医疗情况,从而达到健康的目的,健康的身心即会延长生命,更或在生命中更好地创造价值财富。生命价值(法)是保险学的内容,一般是针对生命周期中创造的财富作为购买保险额度的依据,并体现在具体的数据上。笔者从健康存量与生命价值的关系出发,分析健康存量与生命价值的关联性特征,研讨健康存量+生命价值对工作的启示,探究对保险与健康产业融合发展的指导意义。

The relationship between economy and health has been a hot topic in economics, sociolo gy, insurance and medical research. It is an important research area to create healthy China and develop innovative insurance protection. In health economics, health stock is one of the core contents of health management. It can increase the stock of health and reduce the medical situation, so as to achieve the purpose of health. Healthy body and mind will prolong life, or better create wealth and value in life. Life value （Law） is the content of insurance. It is usually based on the wealth created in the life cycle as the basis for buying the insurance amount, and it is embodied in the specific data. Based on the relationship between health stock and life value, this paper analyzes the correlation between health stock and life val ue, discusses the enlightenment of health stock ＋ life value to work, and explores the guiding significance of the integration development of insurance and health industry.