商业健康保险存在的问题及对策

商业健康保险在中国的发展存在诸多问题,既有宏观外部原因,也有保险公司自身的内部原因,这些问题的存在直接影响了健康保险的进一步发展,要走出困境,应及时制定健康保险的行业发展规划,实现商业健康保险的专业化经营,并积极探索与医疗服务机构之间的有效合作途径,以控制衍生风险,同时也需要国家政策的大力扶持。

Problems arising in the commercial health insurance and countermeasures

There is a prospective future for the development of commercial heath insurance in China,while problems arise in time with it.The reasons for this should be attributed to both external and internal causes .Since these problems are having negative impact on the future development of health insurance,appropriate development projects should be immediately made in order to help the health insurance overcome the difficulties and make a fast progress.Besides,other measures such as realizing the specialized operation ,active cooperation with medical service institutions are also important to control the risks and all of these can be better carried out with the support of governmental policies.