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商业健康保险可以保障民生对健康的更高需求,顶层设计应符合健康与市场规律,产品研发和营销需要结合国情与民需。在对保险的认识方面,国内外存在差异,我国商业健康保险的发展迫在眉睫、空间巨大。未来我国应探索医疗行业和保险行业的融合发展,建立合理有效的支付标准和公平可及的保障体系。医院、社保机构和商业保险公司通力合作,构建适合中国特点的、充分满足国民福祉的健康和医疗保险体系。
Commercial health insurance can protect the health of people’s livelihood higher demand, top-level design should be consistent with the laws of health and the market, product development and marketing need to combine the national conditions and the needs of the people. In the understanding of insurance, there are differences at home and abroad, the development of China’s commercial health insurance is imminent, huge space. In the future, China should explore the integration and development of the medical industry and the insurance industry, establish reasonable and effective payment standards and a fair and equitable guarantee system. Hospitals, social security agencies and commercial insurance companies to work together to build a health and medical insurance system that is suitable for Chinese characteristics and fully meets the well-being of the people.