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一、现状与原因 随着寿险业的迅速发展,商业性医疗保险由原来的附加险发展为一个单独的保险险种,且由于它适合大众需要、易于展业,越来越被各家寿险公司重视。但是,与发达国家比较,我们存在相当的差距。据不完全统计,目前我国寿险险种近300种,医疗险险种在整个寿险险种中的占比不到10％。无论是险种数量、结构、形式,还是经营管理水平,均远远落后。国内横向比较,亦滞后
First, the status quo and causes With the rapid development of the life insurance industry, commercial medical insurance developed from the original additional insurance as a separate insurance, and because it is suitable for the public needs, easy to exhibition industry, more and more life insurance companies are valued. However, compared with developed countries, we have a considerable gap. According to incomplete statistics, there are nearly 300 kinds of life insurance in China at present, and the proportion of medical insurance in the whole life insurance accounts for less than 10%. Whether it is the number of insurance, structure, form, or management level, are far behind. Domestic horizontal comparison, but also lagging behind