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在中产阶层与富裕人群积极寻求公共医保替代方案的驱动下,到2020年,中国商业医疗保险市场的规模将增长近4倍,从2015年的2410亿元增至1.1万亿元。日益变化的消费者需求,以及政府对私立医疗服务机构的鼓励与支持,是这一显著增长背后的动力。商业医疗保险在中国保险市场中的现状报销型医疗保险预计将成为市场增长最快的品类。与许多中国消费者目前所购买的重大疾病保险相比,此类保险产品的保费较高(尤其高端产品),但灵活性也相对更强。
Driven by an active search for a replacement of public health insurance schemes by the middle class and the wealthy, China’s commercial medical insurance market will nearly quadruple its size by 2020 to 1.1 trillion yuan from 241 billion yuan in 2015. The changing consumer demand and the government’s encouragement and support for private healthcare providers are the engines behind this significant growth. The Current Situation of Commercial Medical Insurance in China’s Insurance Market Reimbursement Medicare is expected to be the fastest growing category in the market. Compared with the major illness insurance currently purchased by many Chinese consumers, such insurance products have higher premiums (especially for premium products), but they are also more flexible.