摘要
惠民保作为一款社商融合保险,在我国多层次保障体系中占有重要地位,但也存在较大的逆向选择风险。对此,在总结各地创新做法的基础上,从筹资机制、保障待遇、增值服务三个方面提出惠民保逆向选择的应对之策:完善惠民保筹资机制,进一步提高参保率和续保率;优化惠民保保障待遇设计,进一步打造全方位保障体系;改善惠民保增值服务设计,进一步提升用户获得感。
As a social and business integration insurance,Huimin insurance plays an important role in multi-level security system in China,but there is also a greater risk of adverse selection.In this regard,on the basis of summarizing the innovative practices in 293 prefecture-level cities and 4 municipalities,countermeasures to deal with the problem of adverse selection in Huimin insurance from three aspects:financing mechanism,security benefits,and value-added services have been proposed.It is necessary to improve the financing mechanism of Huimin insurance to further increase the participation rate and renewal rate,optimize the design of the security benefits of Huimin insurance to further build an all-around security system,and improve the design of value-added services of Huimin insurance to further enhance the sense of gain of the participants.
作者
王群
肖杰雄
杨震宇
WANG Qun;XIAO Jiexiong;YANG Zhenyu(School of Public Administration and Policy,Dalian University of Technology,Dalian Liaoning 116024,China;不详)
基金
国家自然科学基金“行为经济学视角下助推型信息对惠民保参保行为的干预效果及影响机制研究”(72274027)
国家级大学生创新创业训练计划项目“社会生态理论视角下的惠民保产品生命力研究”(20231014111072)。
关键词
惠民保
逆向选择
筹资机制
保障待遇
增值服务
Huimin insurance
adverse selection
financing mechanism
security benefits
value-added services
