商业健康保险市场中“百万医保”产品的调查分析

论文总字数：8321字

摘 要

收集各家保险公司推出的“百万医保”信息，以及保监会、统计局数据，计算出保费收入比例、保险深度及保险密度，并利用Excel来进行数据总结分析，制作图表，对目前情况及未来发展进行说明。结果 我国商业健康保险市场数据表明，目前整体保险业的发展并不客观，但健康险的增长速度却逐渐加快，增长率超过了总保险及人身险。因此，需要发展专业性强的健康险。结论 目前我国健康险的发展速度正在渐渐超过整体保险业与人身保险，健康险的市场发展空间还很大。数据分析表明，近年来商业医疗保险市场发展不是很好，重点是发展健康险。也提出了几点“百万医保”需要解决的问题，最后对于商业健康保险市场和“百万医保”的问题给与几点建议。

关键词：百万医保、商业健康保险市场、健康险

Investigation and Analysis of "Million Medical Insurance" Products in Commercial Health Insurance Market

Abstract: Objective This paper investigates and analyses the "million medical insurance" products and the commercial health insurance market in the commercial health insurance market,study the background of＂Million Health Insurance＂,the status quo and challenges of the commercial health insurance market, and conduct a comparative analysis of＂Million Health Insurance＂products, and make recommendations for its improvement and development.Method Collect information on＂Million Health Insurance＂issued by various insurance companies, as well as data from the China Insurance Regulatory Commission and the Statistics Bureau.Calculate the proportion of premium income, insurance depth and insurance density,And use Excel to carry out data summary analysis, make charts, and explain the current situation and future development.Results China's medical insurance market data shows that the development of the entire insurance industry is not targeted, but the rate of health insurance increases gradually and the rate of growth exceeds total insurance and life insurance.Therefore, it is necessary to develop professional health insurance.Conclusion At present, the development speed of China's health insurance is gradually surpassing the overall insurance industry and personal insurance.The market for health insurance is still very large.Data analysis shows that the development of the commercial medical insurance market in recent years is not very good, the focus is on the development of medical insurance.It also raised several issues that need to be solved in the＂Million Health Insurance＂, and finally gave some suggestions for the commercial health insurance market and the＂Million Health Insurance＂problem.

Key words: million medical insurance; commercial health insurance market; health insurance

目录

1 前言 4

1.1 “百万医保”产生的背景 4

1.2 研究内容和框架 4

2 “百万医保”的市场现状与挑战 4

2.1 商业健康保险市场现状 4

2.1.1 商业保险的保费收入 4

2.1.2 商业健康保险的保险深度 5

2.1.3 商业健康保险的保险密度 5

3 “百万医保”产品的内涵 6

3.1 “百万医保”产品优缺点 6

3.2 “百万医保”产品比较 6

3.3 “百万医保”存在的问题 8

4 商业健康保险市场及“百万医保”发展对策 8

4.1 加强政府作用 8

4.2 提高商业健康保险的专业化 8

4.3 “健康保险 互联网”模式 8

4.4 参与社会保险，占据市场空间 8

4.5 保监会的管理重点 8

5 结论 9

参考文献 9

致谢 9

1 前言

1.1 “百万医保”产生的背景

商业健康保险是医疗保障体系中十分重要的一部分。目前有大概30%的城市居民主要选择商业健康保险来购买。^[1]我国商业健康保险发展大致分为四个阶段：萌芽阶段（1994 年以前）、初步发展阶段（1994—1998 年）、快速发展阶段（1998—2004 年）、专业化经营阶段（2004 年至今）。^[2] 虽然中国的商业医疗保险正在迅速发展，但仍处于非常低的水平。 反映了较低层次的两个方面。 一是医疗卫生费用补偿水平低，二是专业水平低，问题严重。

1.2 研究内容和框架

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