[1]魏 倩,唐金成.商业健康保险的逆选择风险防控研究[J].卫生经济研究,2022,39(12):48-52.
　WEI Qian,TANG Jincheng.A Study on the Prevention and Control of Adverse Selection Risks in Commercial Health Insurance[J].Journal Press of Health Economics Research,2022,39(12):48-52.
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商业健康保险的逆选择风险防控研究
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
39
期数:
2022年12期
页码:
48-52
栏目:
医疗保障
出版日期:
2022-11-24

文章信息/Info

Title:
A Study on the Prevention and Control of Adverse Selection Risks in Commercial Health Insurance
作者:
魏 倩1; 唐金成1
1.广西大学经济学院，广西 南宁530004
Author(s):
WEI Qian;  TANG Jincheng
School of Economics, Guangxi University, Nanning Guangxi 530004, China
关键词:
商业健康保险; 逆选择; 风险防控; 保险科技
Keywords:
commercial health insurance;  adverse selection;  risk prevention and control;  insurance technology
分类号:
F840.684
文献标志码:
A
摘要:
当前，我国商业健康保险发展势头强劲，但风险防控问题愈发严峻，逆选择成为其发展的绊脚石。本文分析逆选择风险对我国商业健康保险发展的影响，在借鉴国际相关经验的基础上，基于保险科技赋能，从商业健康保险经营公司和政府部门两个层面提出逆选择风险防控的政策建议，以期助推商业健康保险高质量发展。
Abstract:
Currently, commercial health insurance in China is developing strongly, but the problem of risk prevention and control is becoming more and more serious, and adverse selection has become a stumbling block to its development. This paper analyzed the impact of adverse selection risk on the development of commercial health insurance in China. On the basis of international experience, we proposed policy recommendations on the prevention and control of adverse selection risk from both commercial health insurance companies and government departments based on the empowerment of insurance technology, with a view to promoting the high-quality development of commercial health insurance.

参考文献/References:

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更新日期/Last Update: 2022-11-24