商业健康保险发展存问题及对策

1、商业健康保险发展存问题及对策 摘 要 商业健康保险作为健康管理与风险防控机制的重要组成部分，具有政府所无法替代的.保障功能，对于处于发展中国家前列的中国来说，商业健康保险市场的发展既有机遇，也有挑战。国外的健康保险理论实践研究起步早，内容较丰富，但我国的相关研究发展缓慢，相关政策不够完善，理论指导实践的力度不够。因此，本文采用现状剖析、总结归纳的思路进行研究论证。首先通过学习进一步明确了商业健康保险的概念和主要内容，对商业健康保险市场的发展形成了系统性的认识，随后针对我国商业健康保险发展存在的问题和影响因素进行了现状分析，最后针对我国经济发展进程的实际情况提出相关微观层面以及国家宏观管理层面商

2、业健康保险发展的几点建议。以期为我国商业健康保险市场的发展提供一些切实可行的建议。 关键词 ： 商业健康保险，swot 分析，健康管理 本科论文 abstract commercial health insurance has a social security function that cannot be replaced by the government as an integral part of health care and risk prevention and control mechanisms. for china, at the forefront of develop

3、ing countries, the development of the commercial health insurance market has both opportunities and challenges. although research on theory and practice of health insurance abroad started early and is rich in content, the development of related research in china is lagging behind, the relevant polic

4、ies are not perfect, and theory is not strong enough to guide practice. therefore, in this article, we will employ state-of-the-art analysis and summary induction to conduct research and demonstration. first, the concepts and key content of commercial health insurance were further clarified through

5、learning, forming a systematic understanding of the development of the commercial health insurance market. then, it analyzes the current situation of the problems and influencing factors in the development of china"s commercial health insurance, and finally puts forward some suggestions on the development of commercial health insurance at the micro level and the national macro management level according to the actual situation of china"s economic development process. in order to provide some practical suggestions for the development of china"s commercial health