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随着人口老龄化、疾病谱变化、生态环境变化以及生活水平的不断提高,人们对健康医疗保障的需求日益增长。商业健康保险作为一种市场化的风险分散机制和社会救助机制,发挥着不可替代的作用。积极探索商业健康保险市场创新发展途径,对建立完善多层次社会医疗保障体系具有重要意义。天津市商业健康保险发展现状与基本医疗保险(以下简称“医保”)的强制性和普惠性不同,商业健康保险具有市场配置资源、健康人群投
With the population aging, the change of disease spectrum, the change of ecological environment and the continuous improvement of living standard, the demand for health medical insurance is increasing day by day. Commercial health insurance plays an irreplaceable role as a market-oriented mechanism of risk diversification and social assistance. To actively explore ways to innovate and develop the commercial health insurance market is of great significance to establishing and perfecting a multi-level social medical security system. The development status of commercial health insurance in Tianjin differs from the compulsory and inclusive nature of basic medical insurance (hereinafter referred to as “health insurance”). Commercial health insurance has market allocation resources and healthy population investment