xx省商業(yè)健康保險研究

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目錄
第1章 緒論 1
1.1研究背景 1
1.2研究目的和意義 2
1.2.1研究目的 2
1.2.2研究意義 2
1.3國內(nèi)外研究綜述 2
1.3.1國外研究綜述 2
1.3.2國內(nèi)研究綜述 3
第2章 基本概念及相關(guān)理論 3
2.1相關(guān)基本概念 3
2.1.1保險的概念和分類 4
2.1.2補充醫(yī)療保險的概念 4
2.1.3商業(yè)健康保險的概念和分類 4
2.2相關(guān)理論 4
2.2.1公平分配理論 5
2.2.2道德風(fēng)險和逆向選擇 5
2.2.3公共選擇理論 6
第3章 河北省商業(yè)健康保險現(xiàn)狀分析 6
3.1河北省商業(yè)健康保險現(xiàn)狀 6
3.1.1河北省和一些其他省份近幾年保費收入情況 6
3.1.2省內(nèi)一些主要城市的保費收入和賠付情況 7
3.2存在的問題 9
3.2.1業(yè)務(wù)規(guī)模較小 9
3.2.2缺乏專業(yè)化經(jīng)營 10
3.2.3逆向選擇和道德風(fēng)險 10
3.2.4重視程度不夠 11
3.2.5風(fēng)險管理困難 11
3.3存在問題的原因分析 12
3.3.1社會醫(yī)療保險的擠出效應(yīng) 12
3.3.2市場機(jī)制不健全 12
3.3.3醫(yī)患保三方信息不對稱 13
3.3.4思想觀念的阻礙 13
3.3.5專業(yè)人才儲備相對較少 14
第4章 國外實踐及借鑒 14
4.1國外實踐基本情況 14
4.1.1西歐的商業(yè)健康保險模式 14
4.1.2美國的商業(yè)健康保險模式 15
4.2借鑒意義 16
第5章 對策和建議 17
5.1完善市場機(jī)制，為商業(yè)健康保險的發(fā)展創(chuàng)造良好的環(huán)境 17
5.2明確商業(yè)健康保險的定位和發(fā)展方向 18
5.3加強保險監(jiān)管，促進(jìn)信息共享 18
5.4保險公司應(yīng)提升自身業(yè)務(wù)能力和宣傳力度 19
5.5科學(xué)培養(yǎng)專業(yè)人才 19
結(jié)論 20
致謝 20
參考文獻(xiàn) 21


摘要 河北省經(jīng)濟(jì)平穩(wěn)發(fā)展，保險市場潛力巨大，然而目前省內(nèi)商業(yè)健康保險的發(fā)展還比較落后。商業(yè)健康保險面臨著：業(yè)務(wù)規(guī)模較小、產(chǎn)品種類單一、缺乏創(chuàng)新；風(fēng)險管理困難、經(jīng)營成本較高；專業(yè)人才儲備不足等諸多問題。本文在闡述了商業(yè)健康保險的含義、分類和相關(guān)理論的基礎(chǔ)上，介紹了目前河北省內(nèi)商業(yè)健康保險的一些發(fā)展現(xiàn)狀，分析其發(fā)展過程中出現(xiàn)的問題。同時找出問題出現(xiàn)的原因：社會醫(yī)療保險的擠出效應(yīng)、市場機(jī)制不健全、醫(yī)患保三方信息不對稱、思想觀念的阻礙和專業(yè)人才儲備較少等等。之后介紹部分發(fā)達(dá)國家的先進(jìn)經(jīng)驗，然后針對商業(yè)將康保險的發(fā)展困境提出一些建議：要充分發(fā)揮市場和政府的作用、豐富保險產(chǎn)品種類、控制不合理的費用支出。


關(guān)鍵詞：商業(yè)健康保險 河北省 風(fēng)險控制


Research on the Health Insurance in HeBei
Abstract Steady economic development in hebei province. The insurance market has huge potential in HeBei. However, at present, the development of the commercial health insurance in the province is relatively backward. Health insurance is not only a limited and simplistic supplement to the basic social health insurance, but also an essential and indispensible component in the health security system.It is imperative to vigorously develop commercial health insurance is in the province. In fact now is faced with many problems, the business on a smaller scale, single product variety, lack of innovation; Risk management difficulty, high operating costs; Professional talent pool is insufficient and so on.
Based on the connotation and characteristics of commercial health insurance, this paper introduces the present development of inside some of the commercial health insurance in HeBei province, analyses the problems appeared in the course of development, At the same time find out the cause of the problem: crowding out of the social medical insurance, the market mechanism is not sound, medical insurance information asymmetry, the concept of the block and less professional talent pool, and so on. After introduction the advanced experience of developed countries, and then according to the development dilemma of commercial health insurance put forward some Suggestions: to give full play to the role of market and government, rich insurance products, control the unreasonable expenses.

Key words: Commercial health insurance Hebei province Risk control