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我国惠民保市场发展问题分析与思考

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本文通过梳理我国惠民保市场产品特点和发展现状,从筹资水平、赔付水平、产品设计等方面分析当前已上市惠民保产品运营特点和存在的问题.目前惠民保发展面临参保水平低、赔付水平高、缺少医保数据支持等方面的共性问题,通过开放个账提高参保水平、通过动态调节保费降低赔付风险、通过医保数据共享优化产品设计等,将是惠民保产品发展转型的主要趋势和方向.
Analysis of the development problems of China's Huimin insurance market
This article analyzes the operating characteristics and problems of the listed Huimin insurance products by sorting out the product characteristics and development status of China's Huimin insurance market,and analyzes the operating characteristics and problems of the listed Huimin insurance products in terms of financing level,payout level,product design and other aspects.At present,the development of Huimin insurance is facing common problems in terms of low participation level,high payout level,and lack of medical insurance data support and so on.Improving the participation level by opening up individual accounts,reducing the risk of payout by dynamically adjusting premiums,and optimizing the product design by sharing medical insurance data and so on will be the main trend and direction of the transformation and the development of Huimin insurance products.

Huimin insurancemedical insurancehealth insurancefinancing

杜璇、徐朗、钱宇波

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上海市生物医药产业促进中心 上海 201203

惠民保 医疗保险 健康险 筹资

2024

上海医药
上海医药行业协会

上海医药

影响因子:0.781
ISSN:1006-1533
年,卷(期):2024.45(15)