普惠型商业医疗险发展现状及对策探究

Research on the Development Status and Countermeasures of Inclusive Commercial Medical Insurance

2020年,普惠型商业医疗险席卷全国大部分省市。这种由政府部门牵头、商业保险公司承办、个人自愿投保、多渠道筹集资金、针对本地市民推出的补充性医疗保险,作为一种新型的商业医疗保险,与传统的商业医疗保险相比有它独有的特点。基于此,通过分析我国普惠型商业医疗险的特征及现状,为其可持续发展提供建议。

In 2020, inclusive commercial medical insurance will sweep most provinces and cities in China. This kind of supplementary medical insurance, which is led by government departments, undertaken by commercial insurance companies, voluntarily insured by individuals,raised funds through multiple channels and aimed at local citizens, has its unique characteristics compared with traditional commercial medical insurance. This paper analyzes the characteristics and current situation of inclusive commercial medical insurance in China, and provides suggestions for its sustainable development.