摘要:
目的:通过对我国健康险近10年的发展概况进行梳理以及对区域差异进行实证分析,为健康险的均衡发展提出政策建议.方法:采用锡尔系数法对健康险近10年的整体差异、区域差异、省际差异进行分析评价.结果:健康险保费收入增长较快,但是保费深度、人均保费仍然较低;从保费收入来看,全国存在着较为严重的不均衡问题,区域内部各省份的差异起着愈发重要的影响,且东部、西部地区较为突出;从保险密度来看,全国各省市呈现迅猛发展,但是各省市之间的不均衡现象有所有所恶化,极值差已由269元升至1 072元.结论:保险公司应结合客户需求创新健康保险产品和服务,进一步提高我国健康险的人均保费水平;政府应该积极促进商业保险与基础医疗的结合,充分发挥商业健康险在降低医疗费用方面的作用;更精细的划分健康险区域,有针对性、多层次的统筹区域发展.%Objective:Empirical analysis was conducted on the development situation of China's health insurance in the past 10 years and the empirical analysis of regional differences,so as to put forward policy suggestions for the balanced development of health insurance.Methods:The overall differences,regional differences and inter-provincial differences of health insurance were analyzed and evaluated by the Theil coefficient.Results:Health insurance premium income increased rapidly,but the premium depth and per capital premium were still low.From the perspective of premium income,there was a serious imbalance in the whole country,and the differences between the provinces in the region became more and more important,and the eastern and western regions were more prominent.Based on the insurance density,the provinces and cities across China developed rapidly,but the imbalance between provinces and cities became worse,and the extreme difference increased from 269 yuan to 1 072 yuan.Conclusion:Insurance company should combine the customer demand innovation health insurance product and service,further raise average per capital premium level of Chi nese health insurance.The government should actively promote the combination of commercial insurance and basic medical treatment,and make full use of the role of commercial health insurance in reducing medical expenses.More detailed division of health insurance areas,targeted,multilevel regional development were needed.