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近年来,国家越来越认识到商业医保在医疗和健康保障领域的重要作用,不断出台政策刺激商业保险市场。可是商业医保在中国的现状是群众有需求,国家有政策,却始终发展得不温不火、叫好不叫座。什么原因导致供给和需求的错配,是保险公司的产品设计有缺陷,还是医疗体系大环境使然?国外的商业医保市场是怎样发展起来的?我国商业医保的社会价值和市场前景又在哪里?请看本期“圆桌话题”。
In recent years, the state has increasingly recognized the important role of commercial healthcare in the medical and health protection fields and has introduced policies to stimulate the commercial insurance market. However, the status quo of commercial medical insurance in China is the demand of the masses. As the state has policies, it has always enjoyed a tepid development and has never been so popular. What causes the mismatch between supply and demand is the product design of the insurance company is flawed, or the medical environment? The development of the foreign commercial medical insurance market? The commercial value of our commercial health care and market prospects and where? Please read this issue “roundtable topic ”.