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当前商业健康保险的发展状况差强人意。尽管目前我国商业健康保险发展迅速,经营主体不断增加,产品种类日益丰富,但从中国保监会网站公布的统计数据看,2003年,我国健康险保费收入241.93亿元,只占到同期人身险保费收入总数的8.03％,健康险还处在一个附属的地位,面临着“外热内冷”的尴尬局面:人们需要的健康保险产品,保险公司因为种种原因无法提供。保险公司
The current development of commercial health insurance is far from satisfactory. Despite the rapid development of commercial health insurance in our country and the increasing number of business entities and the increasingly diversified product categories, according to statistics released by the CIRC website, in 2003, the premium income of China’s health insurance reached 24.193 billion yuan, accounting for only the personal life insurance premium income The total amount of 8.03%, health insurance is still in a subsidiary status, facing the “external heat” the embarrassing situation: people need health insurance products, insurance companies can not be provided for various reasons. Insurance company