金融学院知识库

   随着我国已经进入老龄化社会，医疗服务对老龄人口供给不足的问题日益显现；工作强度较大、家庭负担较重、子女教育压力较大以及不良的生活习性，我国青壮年（30至50岁）群体健康状况也日渐堪忧；缺乏自主意识以及长辈对晚辈的过分关爱，我国少年儿童的健康问题也同样特别突出。在此背景之下，健康管理服务的需求在社会不同群体不断增加。良好的健康管理服务是提高医疗质量和促进医疗健康服务均等化的重要推手，也是提高国民健康水平的重要力量。

由于商业保险以人的生命和健康为基本保障，其涉及的社会基本面较广并且深入我国人民日常生活当中，因此商业保险健康管理服务是我国健康管理服务的一个关键分支。商业保险健康管理服务水平的提高有利于直接提高我国健康管理服务水平。因此我国商业保险公司需要对我国商业保险参与健康管理服务的路径进行研究，并找出一条适合我国国情的保险健康管理服务发展路线。

   本文以健康管理服务为研究对象，从商业保险公司的角度出发，目标是研究我国商业保险公司如何助力健康管理服务。文章主要分为四个部分：第1、2章明确了研究依据，对我国商业保险公司参与健康管理服务的背景和意义进行分析，并对全文论证所需相关概念和理论进行梳理；第3章对国内商业保险公司参与健康管理服务的现状、历程、优势以及国外保险参与健康管理服务的模式进行了阐述；第4章通过典型案例的方式对目前我国商业保险公司参与健康管理服务的模式进行了分析；第5、6章归纳总结了目前国内商业保险公司参与健康管理服务过程中出现的问题，并针对这些问题提出了相关的解决措施与建议。

   商业保险公司参与健康管理服务的路径是当前行业发展的热点和难点问题。通过对该问题的研究，本文对商业保险健康管理服务的概念进行了界定，分析了国内商业保险公司助力健康管理服务典型案例，总结归纳了目前我国商业保险公司参与健康管理服务过程中出现的问题并给予了相关建议，为我国保险公司助力健康管理服务的方法选择提供有益参考。

  Because China's population and social structure is in the stage of aging transition, the problem of insufficient medical services for the aging population is increasingly evident; Because of high work intensity, heavy family burden, children's education pressure and bad living habits, China's young adults (30 to 50 years old) this group of health conditions are increasingly worrying; The lack of self-consciousness and the elders to the younger generation of excessive care, China's children's health problems are also particularly prominent. Against this background, the demand for health management services is increasing among different groups of society. Good health management service is an important force to improve medical quality and equalization of medical and health services, and also an important force to improve national health level.

        Because commercial insurance takes human life and health as the basic guarantee, and commercial insurance involves a wide range of social fundamentals and goes deep into the daily life of Chinese people, health management service of commercial insurance is a key branch of health management service in China. The improvement of health management service level of commercial insurance is beneficial to improve health management service level of Our country directly. Therefore, China's commercial insurance companies need to study the path of China's commercial insurance to participate in health management services, and find a suitable for China's national conditions of insurance health management services development route.

       In this paper, health management services are as the research object,from the perspective of commercial insurance companies and the goal is to study how China's commercial insurance companies to help health management services. This paper is mainly divided into four parts: Chapter 1 and 2 define the research basis to analyze the background and significance of China's commercial insurance companies participating in health management services, and sort out the relevant concepts and theories needed for the whole paper; Chapter 3 describes the current situation, process and advantages of domestic commercial insurance companies participating in health management service and the mode of foreign insurance participating in health management service. Chapter 4 analyzes the mode of commercial insurance companies participating in health management service through typical cases. Chapter 5 and chapter 6 summarize the problems existing in the process of domestic commercial insurance companies participating in health management services, and put forward relevant solutions and suggestions for these problems.

        How commercial insurance companies participate in health management services is a hot and difficult issue in the current development of the industry. Through the study of this issue, this paper defines the concept of commercial insurance health management services, analyzing the typical cases of domestic commercial insurance companies to assist health management services, summarying the problems in the process of China's commercial insurance companies participating in health management services and giving relevant suggestions. It provides a useful reference for China's insurance companies to help the selection of health management services.