摘要近年来，随着我国经济的快速发展，人民生活水平不断提高，人们对健康的关注越来越多，我国商业健康保险市场具有巨大的发展潜力。但从目前国内健康保险市场来看，由于传统医疗制度下形成的消费观念和保险公司自身的问题等原因，使我国商业健康保险的发展受到了巨大的阻力。这样的发展窘境为商业健康险的发展前途罩上了一层浓雾。商业健康保险作为社会保障体系的重要组成部分，在满足人民日益增长的健康保障需求、促进国民经济发展、稳定社会等方面发挥着越来越重要的作用。可以说，现阶段，我国商业健康保险正面临难得的发展机遇。本论文主要根据辽宁省商业健康保险的发展，总结出一些实践出现的问题，根据问题去提出改善建议，希望通过本文的研究能在辽宁省商业健康保险发展的道路上提供帮助。关键词商业健康险，发展，研究AbstractInrecentyears,withtherapiddevelopmentofChina'seconomy,thepeople'slivingstandardscontinuetoimprove,peoplepaymoreandmoreattentiontohealth,China'scommercialhealthinsurancemarkethasgreatpotentialfordevelopment.Butlookingatthecurrentdomestichealthinsurancemarket,therehasbeenahugeresistancetothedevelopmentofcommercialhealthinsuranceinChinaduetotheconsumptionconceptformedunderthetraditionalmedicalsystemandtheproblemsofinsurancecompaniesthemselves.Thisdevelopmentdilemmahascastathickfogoverthefutureofcommercialhealthinsurance.Asanimportantpartofthesocialsecuritysystem,commercialhealthinsuranceplaysanincreasinglyimportantroleinmeetingthegrowinghealthsecurityneedsofthepeople,promotingnationaleconomicdevelopmentandstabilizingsociety.Itcanbesaidthatatthisstage,China'scommercialhealthinsuranceisfacingarareopportunityfordevelopment.BasedonthedevelopmentofcommercialhealthinsuranceinLiaoningProvince,thispapersummarizessomeproblemsinpracticeandputsforwardsuggestionsforimprovementaccordingtotheproblems.ItishopedthatthisstudycanhelpthedevelopmentofcommercialhealthinsuranceinLiaoningProvince.KeyWordsCommercialhealthinsurance,development,research.目录摘要........................................................................................................................................................1Abstract...................................................................................................................................................1引言........................................................................................................................................................11商业健康保险概述........................................................................................................................21.1商业健康保险的定义......................................................................................................21.2商业健康保险与社会医疗保险的区别.....................................................................21.2.1基本属性不同...........................................21.2.2保险的对象和作用不同...................................21.2.3权利与义务对等关系不同.................................31.3商业健康保险的种类..........................................31.3.1医疗费用保险...........................................31.3.2疾病保险...............................................31.3.3失能收入损失保险.......................................31.3.4护理保险...............................................41.3.5医疗执业保险...........................................42辽宁省商业健康保险综述..........................................................................................
