我国公费医疗制度已开始改革，城镇居民对改 革后可能带来的医疗费负担加重给予极大的关注，同时对商业医疗保险产生了浓厚的兴趣，这就为各保险公司开发健康保险提供了很好的机遇。本文在对杭州市居民进行广泛问卷调查的基 础上，对城市居民的商业医疗保险意 识、保险需求及制 The public health care system in our country has begun to undergo reforms. Urban residents have paid great attention to the increased burden of medical care that may be brought about after the reform. At the same time, they have developed a strong interest in commercial medical insurance. This has provided a very good basis for insurance companies to develop health insurance. Good opportunity. Based on an extensive questionnaire survey of residents in Hangzhou, this article aims at the awareness of commercial medical insurance for urban residents, insurance needs and system