商业健康保险防范农村家庭因病返贫风险存在的问题及建议

Problems and Suggestions of Commercial Health Insurance to Prevent Rural Families from Returning to Poverty Due to Illness

乡村振兴背景下,商业健康保险在防范因病返贫风险中任务艰巨、意义重大。实地调研发现,商业健康保险受各种因素影响,作用远未充分发挥。通过分析影响健康保险发挥作用的主要因素,提出落实政策体系、加大产品创新、强化专业化经营、降低经营风险等建议,推进健康保险的发展。

Under the background of rural revitalization,commercial health insurance is of great significance in preventing the risk of returning to poverty due to illness.Field investigation finds that commercial health insurance is affected by various factors,and its role is far from full play.Through the analysis of the main factors affecting the role of health insurance,this paper puts forward some countermeasures and suggestions to promote the development of health insurance,such as implementing the policy system,increasing the product innovation,strengthening the specialized management and reducing the operational risk.