随着社会医疗保险制度的推出，越来越多的人关心商业医疗保险，笔者曾多次参加人身保险咨询活动，人们询问最多的是医疗保险。对此，作为从事健康保险业务的工作人员，受责任感的趋使，对商业医疗保险的发展客观性、发展原则及发展对策进行了研究和探讨，浅议在下：一、发展商 With the introduction of the social medical insurance system, more and more people are concerned about commercial medical insurance. The author has participated in life insurance consulting activities on many occasions. The most frequently asked question is medical insurance. In this regard, as a staff member engaged in health insurance business, subject to the sense of responsibility, research and discussion have been conducted on the development objectivity, development principles, and development countermeasures of commercial medical insurance. The following are briefly discussed: 1. The developer