由于受制度框架和政策法规的影响较大,保障责任的专业性较强,风险管理的复杂性较强,运营难度较大,管理成本较高,民营资金的进入意愿不强,商业健康保险机构的发展较为艰辛。随着“大病医保”政策的出台,商业健康保险机构迎来难得的历史机遇,为创新发展提供了基础。 Due to the greater impact of institutional framework and policies and regulations, the professional liability of safeguard liability is stronger, the complexity of risk management is more complicated, the operation is more difficult, the management cost is higher, and the willingness to enter the private capital is not strong. The commercial health insurance institution The development is more difficult. With the promulgation of the “serious illness, medical insurance” policy, commercial health insurance institutions usher in a rare historic opportunity and provide the basis for innovation and development.