[1]于保荣,贾宇飞,孔维政,等.中国普惠式健康险的现状及未来发展建议[J].卫生经济研究,2021,38(4):3-8.
　YU Bao-rong,JIA Yu-fei,KONG Wei-zheng,et al.The Present Situation and Future Development Suggestions of Inclusive Health Insurance Products in China[J].Journal Press of Health Economics Research,2021,38(4):3-8.
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中国普惠式健康险的现状及未来发展建议
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
38
期数:
2021年4期
页码:
3-8
栏目:
专题研究
出版日期:
2021-03-30

文章信息/Info

Title:
The Present Situation and Future Development Suggestions of Inclusive Health Insurance Products in China
作者:
于保荣1; 贾宇飞1; 孔维政1; 李亦舟1; 纪国庆1
1.对外经济贸易大学保险学院，北京 100029
Author(s):
YU Bao-rong;  JIA Yu-fei;  KONG Wei-zheng;  LI Yi-zhou;  JI Guo-qing
School of Insurance, University of International Business and Economics, Beijing 100029, China
关键词:
社商融合型普惠式健康险; 惠民保; 补充医疗保险; 商业健康保险
Keywords:
social and commercial integrated inclusive health insurance;  inclusive private insurance;  supplementary health insurance; commercial health insurance
分类号:
R19；F842.6
文献标志码:
A
摘要:
2020年，普惠式健康险在全国范围内迅速发展，这种“政府主导、商保承办、自愿参保、多渠道筹资”的重特大疾病补充医疗保险制度，本质上是一种商业健康保险，“低保费、高保额、宽门槛”是其主要特征。文本汇总了目前国内普惠式健康险的经营模式，并将普惠式健康险与传统商业医疗险进行对比，探讨普惠式健康险的内涵与经营逻辑，并通过实际案例探讨其持续发展的能力，针对现存问题提出建议。
Abstract:
In 2020, inclusive health insurance products is developing rapidly througout the country. This kind of supplementary medical insurance system for major and serious diseases, which is led by the government, underwritten by commercial insurance, voluntarily insured and raised through multiple channels, is essentially a kind of commercial health insurance, and its main characteristics are"low premium, high insurance amount and wide threshold ".This paper summarizes the current business model of inclusive health insurance products in China, compares it with traditional commercial medical insurance,discusses the connotation and management logic of inclusive health insurance products, discusses its ability of sustainable development through practical cases, and put forward suggestions in view of the existing problems.

参考文献/References:

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更新日期/Last Update: 2021-03-30