摘 要近年来，广东省保险行业取得较快发展。由于广东省存在基本医疗保险体系保障水平低、大病医疗费用却不断提高等问题，给个人或家庭带来较大的经济负担，有了互联网的帮助，商业健康险的概念被广泛传播，许多消费者购买。商业健康保险因其具有保险方便、结算过程方便等优点受到保险消费者的喜欢。但就单个广东省区域来看，健康险的发展和现实仍存在很大差距，特别是“互联网+”背景下健康险行业制度和产品创新有许多问题值得研究与分析。通过借鉴现有文献和对课题的研究分析，本论文将重点放在对广东省互联网健康险所存在的问题和提升广东省健康险发展的对策探讨上。首先，本文介绍了“互联网+”以及健康险的理论和概念，探析了“互联网+”对传统健康险发展的影响，还包括“互联网+”健康险和传统健康险的对比探讨。其次，以广东省为研究范围，分析了“互联网+”健康险在广东省发展的情况。最后，根据存在的问题提出促进健康险发展的相关建议。关键词：互联网+ 商业健康险 产品创新ABSTRACTIn recent years, the insurance industry in Guangdong Province has made rapid development. Due to the problems in Guangdong Province, such as low level of basic medical insurance system, increasing medical expenses for serious illness and so on, which bring great economic burden to individuals or families, With the help of the Internet, the concept of commercial health insurance has been widely spread and many consumers have purchased it. Commercial health insurance is favored by insurance consumers because of its advantages of convenient insurance and convenient settlement process. However, As far as Guangdong is concerned, The gap between the development of health insurance and reality. Especially in the context of "Internet plus", there are many problems in the health insurance industry system and product innovation, which are worth studying and analyzing.This article focuses on Guangdong's Internet health insurance issues and measures to improve the development of health insurance in Guangdong Pro...
