Analysis of the Development Status and Problems of Private Health Insurance in Shanghai
- VernacularTitle:上海市商业健康保险发展现状与问题分析
- Author:
Wenhua SONG
1
;
Jiayun WANG
;
Linan WANG
Author Information
1. 上海市卫生和健康发展研究中心(上海市医学科学技术情报研究所) 上海 200040
- Keywords:
private health insurance;
multi-tiered healthcare security;
Shanghai
- From:
Chinese Health Economics
2024;43(10):7-10,14
- CountryChina
- Language:Chinese
-
Abstract:
The development of private health insurance is crucial for the construction of a multi-tiered healthcare security.Since entering the innovative development stage,the types and protection contents of private health insurance products have been continuously enriched,but there are still some problems.Taking Shanghai as the research object,it describes the development status of private health insurance in Shanghai by analyzing relevant policies,premium income,and product types.It locates many problems such as product supply and industrial synergy,such as uneven product distribution,insufficient product differentiation,insufficient information disclosure,and the need to improve the risk management and control capabilities of insurance institutions.It also puts forward suggestions such as enriching product types,optimizing insurance content,strengthening multi-party collaboration,and establishing a long-term mechanism to promote the high-quality development of commercial health insurance.
