我国商业健康保险发展的区域差异分析区域协调发展战略，是国家较为重视的一个模块。十九大报告上指出，针对贫困地区，要最大程度地支持其发展，针对西部地区，要推进其形成新格局、新常态，针对中部地区，要推动其更快地兴起，针对东部地区，要在其基础上实现优化发展。可见，在经济领域中，商业健康保险作为其重要的一部分，也应该在区域上协调发展。在深化医药卫生体制改革上，2019 年提出了要加快发展商业健康保险，完善商业健康保险监管制度的重点工作任务。目前来说，我国商业健康保险在各地区之间发展情况不相同、不平衡。商业健康保险对社会保险的空白部分进行有效的补充保障，重视发展商业健康保险，实施区域协调发展势在必行。本文将简述我国商业健康保险发展的现状，以及影响区域发展差异的因素，参考相关其他学者的研究，综合我国保险市场情况、我国国情的特点，提出相应的建议、对策。提高我国商业健康保险的覆盖率，缩小地区间商业健康保险的发展差距，各个地区因地制宜，差异化发展，保持市场的稳定性。【关键词】商业健康保险；区域差异；保险公司Analysis of regional differences in the development of commercial health insurance in China[Abstract] Regional coordinated development strategy is a module that the country attaches great importance to. According to the report of the 19th National Congress of the Communist Party of China, we should support the development of the poor areas to the greatest extent, promote the formation of a new pattern and new normal for the western areas, promote the rapid rise of the central areas, and optimize the development of the eastern areas. It can be seen that in the economic field, commercial health insurance, as an important part of it, should also develop in a coordinated way in the region. In terms of deepening the reform of the medical and health system, the key tasks of accelerating the development of commercial health insurance and improving the regulatory system of commercial health insurance were put forward in 2019. At present, the ...
