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健康保险走专业化道路是社会经济发展的必然趋势 ,由于健康保险具有不同于寿险的特殊性 ,表现为经营风险、精算基础、服务管理等方面不同于寿险 ,因此 ,专业化是保险公司改善健康保险经营管理 ,提高盈利能力的重要手段。加快健康保险专业化发展进程 ,一是完善医疗风险控制体系 ,不断推进医疗服务提供者和保险机构之间的战略利益联盟 ;二是进一步争取税收优惠政策 ,吸引更多参保人群 ;三是研究市场需求 ,发展健康保险产品体系 ,满足多元化和健康保险需求 ;四是积极进行产品品种、经营模式、业务管理的创新。
Health insurance take the road of specialization is the inevitable trend of socio-economic development, health insurance is different from the particularity of life insurance, manifested as operating risk, actuarial basis, service management and other aspects of life insurance is different, therefore, specialization is the insurance company to improve health Insurance management, an important means to improve profitability. Accelerate the process of specialization of health insurance, one is to improve the medical risk control system, and continuously promote the strategic interests alliance between medical service providers and insurance agencies; the second is to further win preferential tax policies to attract more insured population; the third is to study Market demand, the development of health insurance product system to meet the diversified and health insurance needs; Fourth, actively carry out product variety, business model, business management innovation.