金融学院知识库

党的二十大指出“推进健康中国建设，把保障人民健康放在优先发展的战略位置上。”商业健康保险作为保障居民健康的“主力”，存在着缺失和错位的现象，难以促进居民健康水平的提高，满足居民多层次、多元化的健康诉求。随着保险科技的发展，实现保险科技与商业健康保险的深度融合，提升商业健康保险产品供给质量与效率，已成为行业的共识。鉴于此，文章以保险科技为背景，从商业保险产品发展现状出发，归纳总结其存在的问题并提出相关建议，旨在为商业健康保险产品发展提质增效。

文章采用案例分析与归纳总结法。首先，对保险科技和商业健康保险产品的发展现状进行了阐述。其次，以平安人寿、太保寿险和众安保险三个保险公司为案例研究对象，分析总结了其运用保险科技发展商业健康保险产品的主要内容、采取的策略、取得的成效和不足之处。最后，根据上述分析，总结了在保险科技背景下商业健康保险产品发展的经验与存在的问题，并提出相关建议。

研究发现，在保险科技背景下，商业健康保险产品的发展主要存在产品和服务融合力度不够、产品精准定价发展不完善、产品结构失衡、产品条款可读性下降和底层技术基础薄弱等问题。针对以上问题，从保险公司、政府和保险行业协会三个层面提出了在保险科技背景下促进商业健康保险产品高质量发展的建议。文章不仅有助于保险公司了解和解决在新阶段自身产品发展的疼点、难点，从而提升商业健康保险的供给质量，进一步的丰富和完善商业健康保险产品的供给，满足消费者多样化需求。而且有助于商业健康保险真正参与健康中国建设，提高居民健康水平和健康管理能力，增加居民的幸福感。

The 20th National Congress of the Communist Party of China pointed out that "promoting the construction of a healthy China and placing the protection of people's health at a strategic priority for development." As the "main force" for ensuring health, commercial health insurance is lacking and misplaced, making it difficult to promote the improvement of residents' health standards and meet their multi-level and diversified health demands. With the development of insurance technology, it has become a consensus to achieve a deep integration of insurance technology and commercial health insurance, and improve the quality and efficiency of the supply of commercial health insurance products. In view of this, this article takes insurance technology as the background, starting from the current development situation of commercial health insurance products, summarizes the existing problems and puts forward relevant suggestions, aiming at improving the quality and efficiency of the development of commercial health insurance products.

The article adopts case analysis and inductive summary method. Firstly, the development status of insurance technology and commercial health insurance products is described. Secondly, taking Ping An Life Insurance, Tai Bao Life Insurance, and Zhong'an Insurance as case studies, this paper analyzes and summarizes the main contents, strategies, achievements, and shortcomings of using insurance technology to develop commercial health insurance products. Finally, based on the above analysis, summarize the experience and existing problems in the development of commercial health insurance products in the context of insurance technology, and propose relevant suggestions.

The research found that in the context of insurance technology, the development of commercial health insurance products mainly includes issues such as insufficient integration of products and services, insufficient development of precise pricing of products, imbalance in product structure, decreased readability of product terms, and weak underlying technical foundation. In response to the above issues, suggestions for promoting high-quality development of commercial health insurance products in the context of insurance technology are proposed from three levels: insurance companies, governments, and insurance industry associations. This article not only helps insurance companies understand and solve the pain points and difficulties of their own product development in the new stage, thereby improving the supply quality of commercial health insurance, further enriching and improving the supply of commercial health insurance products, and meeting consumer demand. It also helps commercial health insurance to truly participate in the construction of a healthy China, improve residents' health standards and health management capabilities, and increase residents' happiness.