我国商业健康保险市场发展障碍与对策

摘    要
1996年底，我国开始了城镇职工基本医疗保险制度改革，中国商业健康保险业务开始全面展开。我国商业健康保险存在健康险经营的外部环境不良、保险公司经营不到位、商业健康保险的基础设施不够坚实、健康保险的产品监管政策不到位等障碍，应采用营造宽松的外部经营环境、制定科学的发展策略、完善健康保险基础设施、加强健康保险监管力度等对策加以解决。

关键词： 健康保险；市场障碍；经营环境；保险监管

 
Abstract
At the end of 1996，our country begins to reform the basic medical treatment system，and the health insurance business begins to launch completely . Now the commercial health insurance of our country exists bad external environment of management, the insurance company do not manage properly, the commercial health insurance infrastructure is not solid and the health insurance product supervising policy is not good and so on . So we should build a loose exterial management environment, a hopeful development strategy, stronger health insurance infrastructure and strengthen countermeasure and so on to solve these market obstacles.

Keywords：health insurance; market obstacle; management environment; insurance supervising

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