[1]于保荣,王 庆.中国惠民保产品的性质、利益相关方与发展趋势[J].卫生经济研究,2023,40(4):15-18.
　YU Baorong,WANG Qing.Study on the Nature, Stakeholders and Development Trend of Inclusive Insurance Products in China[J].Journal Press of Health Economics Research,2023,40(4):15-18.
点击复制

中国惠民保产品的性质、利益相关方与发展趋势
分享到：

卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
40
期数:
2023年4期
页码:
15-18
栏目:
专题
出版日期:
2023-04-03

文章信息/Info

Title:
Study on the Nature, Stakeholders and Development Trend of Inclusive Insurance Products in China
作者:
于保荣1; 王 庆2
1.对外经济贸易大学保险学院，北京100029
2.山东大学公共卫生学院，山东 济南250012
Author(s):
YU Baorong;  WANG Qing
School of Insurance and Economics, University of International Business and Economics, Beijing 100029, China
关键词:
惠民保; 社会医疗保险; 商业健康保险; 政府; 市场
Keywords:
inclusive insurance product;  social health insurance;  commercial health insurance;  government;  market
分类号:
F840.684
文献标志码:
A
摘要:
我国惠民保来源于商业保险公司承办的城乡居民大病保险，产品设计参照“百万医疗险”，其性质是商业健康保险，核心是政府支持；利益相关方主要有保险公司和再保险公司、医药和医疗器械生产企业、第三方机构、医保管理部门和普通居民；其特点是参与经营的商业保险公司很难获利、健康人群参保率会逐年下降、第三方机构是最积极的发起者和推动者。惠民保未来有两个前景，只能二选一，不存在既是商业健康保险产品，又有社会医疗保险职能的情况。
Abstract:
Inclusive insurance products originate from the form of serious illness insurance for urban and rural residents in Shenzhen, and refer to the content of millions of reimbursement products from commercial health insurance. Its nature is commercial health insurance, and its core is government endorsement. The main stakeholders include insurance companies and reinsurance companies, pharmaceutical and medical device manufacturers, third-party institutions, medical insurance management departments, and ordinary residents. It is difficult for commercial health insurance companies in the operation of inclusive insurance products to make profits, and the insured rate of healthy people will decrease year by year. Third-party agency is the most active initiator and promoter. There are two prospects for inclusive insurance products in the future, but it can only be one of two options. There is no such situation, which are both a commercial health insurance product and a social medical insurance function.

参考文献/References:

[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.
[2] 龙格.2022年惠民保的四大热点及未来发展趋势[J].中国保险，2023（2）：12-20.
[3] 张为民.保险词典[M].北京：人民武警出版社，2005：6.

相似文献/References:

[1]刘玉娟.商业保险与社会医疗保险合作的实践[J].卫生经济研究,2016,(06):41.
[2]赵 云.社会医疗保险的代理风险与经办改革[J].卫生经济研究,2016,(08):29.
[3]刘海兰.商业保险参与社会医疗保险的实践[J].卫生经济研究,2017,(06):40.
[4]于保荣,冯映雪,江陈庆,等.肿瘤疾病经济负担与健康保险政策研究[J].卫生经济研究,2018,(04):14.
[5]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.
　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.
[6]郑先平,童 潇,吴超男,等.城市定制型补充医疗保险的地方实践与发展思考[J].卫生经济研究,2021,38(4):9.
　ZHENG Xian-ping,TONG Xiao,WU Chao-nan,et al.Thoughts on Local Practice and Development of Urban Customized Supplementary Medical Insurance[J].Journal Press of Health Economics Research,2021,38(4):9.
[7]孔维政,贾宇飞,姜 来,等.多层次医疗保障体系下高值医疗器械保障机制的探索[J].卫生经济研究,2022,39(10):20.
　KONG Weizheng,JIA Yufei,JIANG Lai,et al.Exploration of High-Value Medical Equipment Compensation in the Context of Multi-Level Medical System[J].Journal Press of Health Economics Research,2022,39(4):20.
[8]张 秋,郑柏枫,熊 睿,等.多层次医疗保障体系下惠民保发展的“粤浙范式”[J].卫生经济研究,2022,39(10):44.
　ZHANG Qiu,ZHENG Baifeng,XIONG Rui,et al."Guangdong and Zhejiang Paradigm" for the Development of Universal Health Insurance in the Context of Multi-Level Medical Security System[J].Journal Press of Health Economics Research,2022,39(4):44.
[9]赵 静,史彦龙,卢凌美,等.普惠险购买意愿与购买行为的影响因素研究 ——以宁波市为例[J].卫生经济研究,2023,40(4):19.
　ZHAO Jing,SHI Yanlong,LU Lingmei,et al.Research on Influencing Factors of the Purchase Intention and Purchase Behavior of Inclusive Health Insurance ——Taking Ningbo City as an Example[J].Journal Press of Health Economics Research,2023,40(4):19.
[10]邵珺铄,田 侃.惠民保发展的政策支持研究 ——基于扎根理论的政策文本分析[J].卫生经济研究,2023,40(9):11.
　SHAO Junshuo,TIAN Kan.Study on Policy Support for the Development of Inclusive Commercial Health Insurance ——Policy Text Analysis based on Grounded Theory[J].Journal Press of Health Economics Research,2023,40(4):11.

更新日期/Last Update: 1900-01-01