当前,我国的商业健康险发展仍然处在初级阶段。2014年,我国健康险保费规模只有1587亿元,仅占人身险保费的12.18%,而成熟市场一般在20—30%。健康保险保费支出在医疗卫生费用总支出中占比只有1%左右,而发达国家一般在10%左右。这些数据表明,我国商业健康险还有很大的发展空间。与此同时,在税收优惠等政策的支持下,未来几年将是我国健康险发展 At present, China’s commercial health insurance development is still in its infancy. In 2014, the scale of China’s health insurance premiums was only 158.7 billion yuan, accounting for only 12.18% of life insurance premiums, while mature markets are generally 20-30%. Health insurance premiums account for only about 1% of the total health care expenditures, while developed countries are generally around 10%. These data show that China’s commercial health insurance there is still much room for development. At the same time, with the support of tax incentives and other policies, the next few years will be the development of China’s health insurance