[1]王治军,吴 悠,饶克勤,等.多方共管体系下惠民保的产品创新、业务探索与制度实践[J].卫生经济研究,2026,43(04):42-47.
　WANG Zhijun,WU You,RAO Keqin,et al.Product Innovation, Business Exploration and Institutional Practice of Huimin Bao Under a Multi-Party Governance System in China[J].Journal Press of Health Economics Research,2026,43(04):42-47.
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多方共管体系下惠民保的产品创新、业务探索与制度实践

卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
43
期数:
2026年04期
页码:
42-47
栏目:
医疗保障
出版日期:
2026-03-30

文章信息/Info

Title:
Product Innovation, Business Exploration and Institutional Practice of Huimin Bao Under a Multi-Party Governance System in China
作者:
王治军1; 吴 悠2; 饶克勤2; 孙 昕1
1.中国人寿财产保险股份有限公司，北京 100038
2.清华大学医院管理研究院，广东 深圳 518055
Author(s):
WANG Zhijun;  WU You;  RAO Keqin;  SUN Xin
China Life Property & Casualty Insurance Company Limited, Beijing 100038, China
关键词:
惠民保; 多方共管; 产品创新; 业务探索; 制度实践
Keywords:
Huimin Bao;  multi-party governance;  product innovation;  business exploration;  institutional practice
分类号:
R19
文献标志码:
A
摘要:
我国惠民保在多方共管体系的支撑下，经过10年时间的发展，走出了一条从产品创新到业务探索，再到制度实践的成长路径。惠民保的未来发展，在产品创新上，应加大创新力度，推出具有中医药特色的惠民保产品；在业务探索上，应扩大业务范围，构建“健康管理+健康保险”的产业闭环；在制度实践上，应坚持制度引领，建立符合中国国情的医疗普惠保险制度，形成“政府主责、多方参与、齐抓共管”的惠民保市场新格局。
Abstract:
With the support of a multi-party governance system, China's Huimin Bao has developed over the past decade, carving out a growth path that progresses from product innovation to business exploration, and further to institutional practice. For the future development of Huimin Bao, in terms of product innovation, efforts should be intensified to launch products featuring traditional Chinese medicine; regarding business exploration, the scope of operations should be expanded to build an industrial closed-loop of "health management + health insurance"; and in institutional practice, it is essential to adhere to institutional leadership by establishing a medical inclusive insurance system suited to China's national conditions, thereby forming a new market landscape for Huimin Bao characterized by "government-led responsibility, multi-party participation, and joint management".

参考文献/References:

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更新日期/Last Update: 2026-03-30