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摘要：保险在中国已经有200多年的历史，自二十世纪八十年代开始逐渐恢复和发展，随之而来的商业健康保险的经营规模也不断扩大。自2001年以来，我国的商业健康保险的保费收入已从61.52亿元涨到了2014年的1587.18亿元，足足扩大25.80倍，增长十分惊人。 但它被引进到我国的时间比较短，所以无法避免的是它的发展仍然处于初级阶段，与此同时，不规范竞争、粗放经营、专业性较弱等因素对我国商业健康保险的发展起了阻碍作用，以至于当前国内商业健康保险市场在发展速度，发展规模和质量等诸多方面仍然有些落后于发达国家。因此，分析近几年我国商业健康保险的发展状况，总结发展过程当中产生的问题，并联系其他国家的发展经验，提出科学有效的对策与建议，是具有十分重要的理论价值和现实意义的。34114
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毕业论文关键词：商业健康保险 团体健康保险 健康管理 专业化经营
The Problems and Countermeasures of the Development of Commercial Health Insurance in China
Abstract：Insurance in China has a history of more than 200 years, since the 1980s began to recovery and development, followed by a commercial health insurance business scale is also expanding. Since 2001, China's commercial health insurance premium income has been from 6.152 billion yuan up to 158.718 billion yuan in 2014, fully expanded 25.80 times, growth is amazing. But it was introduced to our time is short, so the unavoidable is its development is still in its primary stage. At the same time, non-standard competition, extensive management, weak professional factors such as the block to the development of China's commercial health insurance, so that the current domestic commercial health insurance market in development speed, scale and quality, and many other aspects there are still some lags behind that of developed countries. Therefore, the analysis of the development of commercial health insurance of our country in recent years, summarizes the development process of the problem, and contact the development experience of other countries, put forward scientific and useful countermeasures and Suggestions, is a very important theory value and practical significance.
Key Words：Commercial health insurance, Social medical insurance, Health management, Professional management
目 录
一、绪论 1
（一）研究背景与意义 1
（二）文献综述 1
二、我国商业健康保险发展的现状 2
（一）业务规模及经营主体不断增加 2
（二）国民意识不足导致普及率低 4
（三）国民对商业健康保险需求增加 4
（四）发展空间巨大 4
三、我国商业健康保险发展的问题 5
(一) 商业健康保险市场存在的问题 5
（二）商业健康保险中数据、险种、经营模式的问题 7
（三）消费者风险态度压抑着需求 8
（四）赔付率较高且具有不确定性 9
（五）逆向选择和道德风险问题 10
（751）保险公司专业化水平不高 10
四、其他国家发展的特点及对我国的启示 11
（一）澳大利亚商业健康保险：政府扶持和法律体系建设 11
（二）德国商业健康保险：专业化经营和多层次产品 11
（三）美国商业健康保险：管理式医疗和健康管理模式 12
（四）对我国的启示 12
五、我国商业健康保险发展的对策 14
（一）专业化经营 14