目前健康险面临人员学历层次低、医学知识缺乏等困境,难以形成规模化的销售效应。我国银行业具有悠久的发展历史和良好的信誉平台,其优质的客户资源为保险业的迅速发展提供了肥沃的土壤。若在银行保险中引入健康保险,不仅能突破健康保险现有的发展瓶颈,而且能促进银行保险健康持续地发展。 At present, health insurance is confronted with such problems as low level of education, lack of medical knowledge, and the difficulty of forming a large-scale sales effect. China’s banking industry has a long history of development and a good reputation platform, and its high-quality customer resources provide a fertile soil for the rapid development of the insurance industry. Introducing health insurance into bank insurance will not only break the existing development bottleneck of health insurance, but also promote the healthy and sustainable development of bank insurance.