金融科技在商业健康保险中的应用研究【摘要】近年来，我国的医疗保障体系不断完善，社会基本医疗保险制度基本实现全民覆盖。但是“看病难，看病贵”的问题仍然普遍存在，为此我国相继推出相关政策来解决这个问题，其中一个就是大力支持商业健康保险的发展，鼓励保险公司积极发展多样化的商业健康保险，进一步实现医疗服务与健康产业链的融合。与此同时，金融科技的发展给保险业带来一剂强心剂，尤其在健康险方面。本文首先对金融科技应用在健康险上作出价值分析，金融科技的应用将会促使健康险险种设计更符合刚需、定价更加合理、理赔更快捷高效，能改善风险管理等，使健康险进入智能化时代。接着阐述国内外健康保险应用金融科技的案例，探讨我国如何进一步将金融科技赋能于健康险，之后分析健康保险应用金融科技的优劣势、机会和威胁；再次结合前述国外成功案例的经验，为我国健康险的发展带来一些启示。最后从构建“健康中国”背景出发，针对目前存在的数据对接，人才缺乏，监管不足等问题从不同层面提出相关建议，希望对我国商业健康保险应用金融科技创新发展有所帮助。【关键词】商业健康保险；金融科技；医疗保障体系Research on the Application of Fintech in Commercial Health Insurance[Abstract] In recent years, China's medical security system has been continuously improved, and the basic social medical insurance system has basically achieved universal coverage. However, the problem of "difficult to see a doctor and expensive to see a doctor" is still widespread. Therefore, China has successively introduced relevant policies to solve this problem. One of them is to strongly support the development of commercial health insurance and encourage insurance companies to actively develop diversified commercial health insurance. To achieve the integration of medical services and health industry chain. At the same time, the development of financial technology has brought a boost to the insurance industry, especially in health insurance. This article first makes a value analysis of the application of fintech in health insura...
