老龄化背景下我国商业健康保险发展现状与启示

摘要

我国老龄化问题日趋严重，老年人口的医疗保障需求日益增长，伴随着居民人均可支配收入的提高及我国立法政策红利支持，无疑为我国商业健康保险的参与和配合提供了有力条件，文章阐述了我国商业健康保险在老龄化背景下的发展现状及其存在的主要问题，提出了加快我国健康险发展的政策建议。%China has the increasingly serious problem of aging, the elderly people’s health care demands are increasing, too. Under the support of the Chinese raising per capita disposable income and the dividend policy, Chinese commercial health insurance has strong assists about participation and cooperation. This article mainly talks about the development of the status and problems of Chinese commercial health insurance on the background of aging, and gives some policy recommendations in order to accelerate the development of Chinese commercial health insurance.