摘要
作为医疗保险体系的有力补充,中国商业健康险近些年来保持着不错的发展趋势,特别是新冠疫情爆发以来,健康险业务在短时期内大幅度增加,促进了健康险的发展。但与此同时,健康险发展区域失衡现象也愈发明显,限制了其发展。为了准确合理的衡量不同区域间的健康险发展情况和区域差异,同时考虑到财产保险公司和人身险保险公司在健康险服务上的较为显著的差异性,本文从基础实力、服务能力和发展能力三个维度出发,分别指数化衡量二者的健康险发展程度,再根据两者市场占比加权得到健康险总体的发展指数,并用该发展指数模型对2011~2021年江苏省十三市的健康险发展情况进行了度量。研究发现,江苏省近些年健康险发展整体呈现快速发展趋势,但区域间的发展差距也在加大。财产险公司与人身险公司相比,在不同区域间存在极大的发展差异,且健康险的总体发展情况也具有鲜明的地域化特色,并在一定程度与经济发展情况相关。
As a strong supplement to the medical insurance system, China’s commercial health insurance has maintained a good development trend in recent years, especially since the outbreak of the novel coronavirus epidemic, health insurance business has increased significantly in a short period of time, promoting the development of health insurance. However, at the same time, the regional im-balance in the development of health insurance is becoming more and more obvious, which limits its development. In order to accurately and reasonably measure the development of health insur-ance and regional differences among different regions, and taking into account the relatively signif-icant differences in health insurance services between property insurance companies and life in-surance companies. Starting from the three dimensions of basic strength, service ability and devel-opment ability, this paper measures the development degree of health insurance by index respec-tively, and then obtains the overall development index of health insurance according to the weighted market share of the two, and uses the development index model to measure the devel-opment situation of health insurance in 13 cities of Jiangsu Province from 2011 to 2021. The study found that the development of health insurance in Jiangsu Province in recent years has shown a rapid development trend, but the development gap between regions is also increasing. Compared with life insurance companies, there are great differences in the development of property insurance companies in different regions, and the overall development of health insurance also has distinct regional characteristics, and to a certain extent, it is related to economic development.
出处
《应用数学进展》
2023年第11期4562-4569,共8页
Advances in Applied Mathematics
