摘要
数字科技的未来图景下,我国健康保险发展呈现一系列数字化趋势。例如,数字科技促使健康险迈向场景化和个性化、支撑健康险定价更加科学和精准、有效缓解了保险信息不对称难题、助推健康险向管理型保险转变等。数字化正不断裂解健康险价值链,赋能传统健康险市场的转型升级。随着人口老龄化的不断加剧,数字化健康险迎来新的发展机遇。然而,我国健康险的数字化转型在数据来源、数据标准和数字化应用等方面仍存有许多短板。为提升健康险市场的数字治理能力,必须不断完善健康保险数据共享和流通机制,构建健康保险数据标准和规范体系,构筑“科技+保险+健康”的健康险生态系统。
Under the prospect of digital technology,the development of health insurance in China presents a series of digital trends.For example,digital technology has promoted health insurance towards scenization and individuation,maked health insurance pricing more scientific and accurate,effectively alleviated the problem of the insurance information asymmetry,and promoted the transformation of health insurance to managed insurance.In a word,digitization is splitting the value chain of health insurance,enabling the transformation and upgrading of the traditional health insurance market.With the increasing aging of the population,digital health insurance usher in new development opportunities.However,the digital transformation of health insurance in China still has many shortcomings in data sources,data standards and digital applications.To enhance the digital governance capacity of health insurance market,it is necessary to improve mechanisms for health insurance data sharing and circulation,establish health insurance data standards and norms and build a health insurance ecosystem of"technology+insurance+health".
作者
胡鹏
HU Peng(School of Insurance,Shanghai Lixin University of Accounting and Finance,Shanghai 201209)
出处
《上海立信会计金融学院学报》
2022年第4期31-41,共11页
Journal of Shanghai Lixin University of Accounting and Finance
基金
上海高校青年教师培养资助计划一般项目(沪教委人〔2021〕40号)。
关键词
数字科技
健康保险
健康服务
转型升级
Digital technology
Health insurance
The health service
Transformation and upgrading
