本报告对2019年中国健康保险业总体发展情况进行了回顾与展望,认为在监管当局大力发展保障型业务的政策导向下,健康保险业实现了高速增长。在业务结构上仍然以疾病保险为主,以医疗保险、护理保险等为辅。民众需求爆发推动了医疗保险继续保持快速发展,同时在严格监管的政策下,医疗保险逐步走向规范化发展。特药险和长期医疗险等产品创新值得关注,互联网销售增长明显。人口老龄化的到来,产业融合和科技赋能加速,叠加新修订的《健康保险管理办法》等政策利好释放,健康保险业具有广阔的发展前景。
<<This report reviews the overall development of China’s health insurance industry in 2019. At the same time,it anticipates its development in the future. It is believed that the health insurance industry has achieved rapid growth under the policy guidance of the regulatory authorities’ efforts to develop the guarantee industry. On business structure,health insurance still gives priority to the disease insurance,and medical treatment insurance and care insurance were in the auxiliary position. The explosion of public demand has promoted the rapid development of medical insurance. Simultaneously,under the policy of strict supervision,medical insurance has gradually moved towards standardized development. The innovation of products such as special medicine and long-term care insurance is worthy of attention,and the growth of Internet sales is noticeable. With the advent of an aging population,the acceleration of industrial integration and science & technology empower,and the release of the newly revised Health Insurance Management Measures,the health insurance industry has a broad development prospect.
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