我国商业健康保险存在问题及对策研究

   摘    要

中国的商业健康保险是一块有待于开发，蕴藏巨大商机的险种。 当前中国商业健康保险面临着发展快没有形成专业化体系的现状，同时中国商业健康险也面临很多机遇。中国商业健康保险主要问题来源于保险公司所面临的医疗费用的失控，道德风险和欺诈风险及外部环境的医疗保险市场的不规范等方面。中国商业健康保险存在问题的对策应主要加强保险公司自身抗风险能力，调整外部政策为保险公司提供良好的发展环境。

关键词：商业；健康保险；问题；对策

Abstract

Commercial Health Insurance in China is a kind of insurance which is waiting for being developed and has great chances. At present the Chinese Commercial heath insurance develop quickly and has not formate the profession system. the Chinese Commercial heath insurance also faces a lot of opportunities. The problems mainly exist in the following aspects: first, the insurance companies fail to control the charge of medical treatment; second, moral risk and cheating risk; last, the irregularities in medical insurance market. According to the existing problems in Chinese Commercial Insurance, the countermeasures are mainly about strengthening the self-ability of insurance companies and adjusting the outer policies to provide a better circumstance for developing.

Key Words: Commercial; Health  Insurance; Problem ; Countermeasure

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