文档介绍：中国健康保险市场发展探讨摘要自进入二十一世纪以来我国保险业保费规模增长迅速截止去年底全行业总资产已高达一万亿元在营销管理各项内部流程等各个方面都已接近同期海外先进保险市场的水平应该说经过整个保险行业的不懈努力已取得了令人满意的成效但是从消费者满意度这个角度来看国内与国外市场还有很大的差距在国外消费者已将保险视为日常生活必不可少的组成部分对保险有着高度的认同感而在国内保险公司口碑普遍不佳消费者对其的认同感不高究其原因主要是因为国外高额的生活医疗费用是个人所难以承受的必须购买一定的商业保险来获取保障而国外品种繁多保障范围各异的保险产品恰好能够满足消费者的需求因此也就受到消费者的青睐在国内对于消费者同样强烈的健康险需求本地保险公司却由于种种原因始终无法推出能够真正满足消费者健康险需求的产品也在一定程度上导致消费者对国内保险公司的不信任感为何国内保险公司在其他类别的险种上都能在短短几年内达到或接近国外同期先进水平惟独在健康险领域仍差距明显这是我在考虑写作方向时所希望着重研究的本论文首先在绪论中对健康险及我国健康险的发展状况作了较为全面的阐述详细介绍了健康险的定义特征目前国内开办的健康险种类及与社会医疗保险的区别等信息另外还用了一定篇幅介绍了健康险第三方-医疗服务机构对健康险业务的影响及存在的逆选择与道德风险等问题为后文健康险对策的介绍打下了伏笔在第二章中文章分别通过宏观微观两个层面系统地分析了我国商业健康保险市场发展潜力与所面临的机遇在第三章中文章介绍了目前国内健康险的现实发展状况接下来就健康险发展中存在各种问题的原因作了全面的分析第四章中作者探讨了国内发展健康险的一些可行的对策包括加强道德风险防范工作专业化经营探索医保合作道路和研发新型健康险模式产品和服务等四项可行的发展对策这些对策为目前环境下及今后外部条件成熟时如何发展健康险业务提供了有益的建议文章中创新地提出了专业化经营及医保合作的一些思路为实际问题的解决提供了一种可供努力的方向关键字健康保险道德风险医疗服务机构THE RESEARCH OF CHINESE HEALTH INSURANCE DEVELOPMENT STRATEGYABSTRACTSince entering 21th century, domestic insurance revenue has increased rapidly. Up to last year, the total assets of insurance industry had amounted to 1 trillion yuan. In some fields like sales management, internal progress hasreached overseas advanced level of same period. Obviously, domestic insurance industry has obtained satisfactory result through continuous ’point of view, however, there is a far way between domestic and overseas marketing. In overseas marketing, insurance has been considered as anecessity of daily life,while in China, insurance industry is not so famed and recognized. The reason is that there are a variety of health insurance products abroad which can meet the requirement of different customers. While as in China, the insurance industry can not meet the specific requirements of different customers due to the deficiency of health insurance products. The question is why other insurance products in China have caught up with or close to the world’s advanced level within a period of several years, why not in health insurance? This