摘要
随着中国人均可支配收入的提高和医疗体制改革进一步深入,商业健康保险迅速发展,逐渐体现出强大的社会管理功能。随其制约因素的改善,商业健康保险的发展潜力也逐渐释放出来。目前,加强商业健康保险的专业化经营;合理运用健康管理,提高商业健康保险的管理水平;制定相关措施,防止道德风险和逆向选择的发生,从而降低商业健康保险的经营成本,已成为保险公司进一步完善商业健康保险的必然选择。
Commercial Health Insurance is developing rapidly with the economy growth in China last years. Gradually it shows great development potentials in social management in economy. For the insurance companies, great focus should be put on health management and the employees' specialization trains to prevent moral hazard and adverse selection in insurance, so as to let the insurance company develop sooner.
出处
《西安财经学院学报》
2004年第4期55-57,共3页
Journal of Xi’an University of Finance & Economics
关键词
商业健康保险
中国
人均可支配收入
医疗体制
健康管理
Commercial Health Insurance
potential of development
health management
specialization technology
