摘 要 中国经济的不断发展，人们生活水平的不断提高，社会民众对健康意识也在逐渐加强。商业健康险对于人们来说是一种保障，不仅给保险人补偿，降低经济压力，还能提高人们的健康观念，使得对健康更加重视。本文先概述了中国商业健康险的定义、作用以及现状，再分析商业健康险在发展中所存在的问题，根据目前所存在的问题进行原因分析，针对问题提出相应的建议，以抓住机遇，不断提高商业健康险的实力，希望能实现我国商业健康险的可持续发展。关键词：商业健康险，健康，保险.Abstract With the development of China’s economy and the continuous improvement of people’s living standards ,people’s awareness of health is gradually strengthened .Commercial health insurance is a kind of guarantee for people .It can not only compensate the insurer ,reduce the economic pressure ,but also improve people’s health concept ,making people pay more attention to health .This paper first outlines the definition ,function and current situation of China’s commercial health insurance , then analyzes the problems existing in the development of commercial health insurance ,analyzes the causes of the existing problems ,and puts forward corresponding suggestions for the problems ,so as to seize the opportunity and constantly improve the strength of commercial health insurance , hoping to achieve the sustainable development of China’s commercial health insurance.Key words : Commercial health insurance ; health ; insurance.目 录1 引 言....................................................................................31.1 商业健康险定义..................................................31.2 商业健康保险的作用..............................................32 商业健康险在我国的发展现状............................................................42.1 商业健康险在我国的发展现状......................................52.2 健康险的需求将会上升............................................62.3...
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