我国惠民保可持续发展探究

Study on the Sustainable Development of Huimin Insurance in China

具有低保费、高保额、不设健康告知等特点的惠民保在2020年、2021年经历了爆发式的增长,显示了其强大的生命力,为完善我国多层次的医疗保障体系做出了重要贡献。本文介绍了惠民保的发展现状,针对在其发展过程中存在的参与主体权责不清晰、产品同质化严重、逆选择与“死亡螺旋”、保障重点不明确、赔付风险增加等问题,提出明确政府定位、引导保险公司良性竞争、精准识别既往症人群、明确保障重点等促进惠民保可持续发展的建议。

Huimin insurance,which is characterized by low premium,high coverage and no health notification,experienced explosive growth in 2020 and 2021,showing its strong vitality and making important contributions to the improvement of China's multi-level medical security system.This paper introduces the current development situation of Huimin Insurance.Aiming at the problems such as unclear rights and responsibilities of the participants in its development process,serious homogenization of products,inverse selection and“death spiral”,unclear focus of protection,increased compensation risk,ect.,some countermeasures and suggestions are put forward to promote its sustainable development:clearing self-positioning,guiding the healthy competition of insurance companies,distinguishing people with previous diseases,clarifying the key guarantee points and other suggestions to promote the sustainable development of Huimin insurance.