新医改下我国商业健康保险的发展前景探析

目前，我国商业健康保险存在的问题有：健康保险市场有效供给不充分；保险产品创新能力不足；保险经营主体专业化程度低。随着新医改方案的正式出台，我国的商业健康保险化“危”为“机”，迎来了广阔的发展前景：一是补充医疗保险产品有创新空间；二是可参与经办管理服务，发挥专业优势；三是可加强多领域的合作，整合社会资源。

An Analysis of the Development Prospects of Commercial Health Insurance in Background of New Health Care Reform in China

At present,China＇s commercial health insurance has some problems such as：the health insurance market is not fully developed; the innovation of insurance product is lacking;the professional degree of insurance agent is lower.With the official introduction oft he new health care reform program,the commercial health insurance could turn threat into opportnnity, and have wide development prospects from the following three aspects：first,the supplementary medical insurance product will get the innovation space;second, involving in the operating service, to exert professional advantage;third,strengthening the cooperation in various fields,to integrate social resources.