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我国商业健康保险自1982年恢复业务以来,始终呈增长的趋势:保费增长迅速,产品种类日渐丰富,经营主体有效竞争,尤其是随着医疗卫生体制改革的逐步推进,以及人民健康需求的增加,商业健康保险已经成为我国医疗保障体系中重要的有机组成部分。然而商业健康保险高速发展的同时,其内部矛盾也在逐渐显现。商业健康保险发展的内部矛盾矛盾一:保费收入逐年增长,而健康险市场整体规模日渐萎缩。
Since our business health insurance business was revived in 1982, the trend has always been growing: the rapid growth of premiums, the increasingly rich product categories and the effective competition of business entities, especially with the gradual progress of health care system reform and the increase of people’s health needs, Commercial health insurance has become an important part of China’s medical insurance system. However, the rapid development of commercial health insurance at the same time, its internal conflicts are gradually emerging. Internal contradictions and contradictions in the development of commercial health insurance A: Premium income has been increasing year by year, while the overall scale of the health insurance market has been shrinking.