我国商业健康保险发展存在的问题及对策研究课程内容精选.docVIP

我国商业健康保险发展存在的问题及对策研究 近年来,由于环境污染,给人们的日常生活和社会经济造成了沉重的打击,人们对健康方面越来越重视,它能够充分保障被保险人的合法权益,减轻政府的经济压力,同时在维护社会经济的稳定方面具有重要作用,能够促进社会的协调发展,原因不仅有自身的问题,还存在着外部的影响因素,我国根据自身情况并借鉴外国经验出台了相应的一些促进我国商业健康保险发展的对策 商业健康保险不仅与人们的切身利益息息相关,而且已经成为人们一生当中需求最大的保险险种,前景非常广阔,理应成为保险市场中的一个亮点,导致人们发展一直存在巨大的阻力,就商业健康保险存在必要性和可能性进行系统分析,阐述商业健康保险存在的自身问题保险提出改进和完善的对策,从而保证社会和谐与稳定关键词 商业健康保险;现状;问题;对策ABSTRACT In recent years, due to environmental pollution and working pressure, significant diseases occur repeatedly, that is a heavy blow to peoples daily life and social economy. So People give more consideration to their health problem. Commercial health insurance plays an important role in the system of National Health and people have a higher requirement for commercial health insurance. It can fully protect the legitimate rights and interests of consumers, to reduce the economic pressure on the government, while maintaining social stabilizing the economy plays an important role in promoting the coordinated development of society, has a very important practical significance. This paper focus on the essential attribute of commercial health insurance to expend, the text is divided into four parts, the first part analyzes the current situation of the development of commercial health insurance in China for the formation of basic health insurance knowledge theory. The second part analyzes now the development of the commercial medical insurance is far behind of the level of the economy. The reason is not only the problem of itself, but also the circumstances of the outside. The third part analyzes commercial health?insurance policy,?to?Germany and?America as an example. And it is the accumulation of experience to promote the development of?commercial health?insurance in China. Finally, the fourth part of the first three on the basis of the analysis, explains the measures for promoting the development of commercial health insurance in China. Keywords Commercial health insurance; Development status; Question; C