中国商业医疗保险正面临着良好的发展机遇。随着我国医疗体制的改革和完善,市场对医疗保险的需求增大,商业医疗保险和社会医疗保险正在成为我国医疗保障体系的重要组成部分。特别是商业医疗保险在满足人民群众日益增长的健康保障需求,促进国民经济发展和社会稳定方面正显示出越来越重要的作用。由于医疗保险市场中存在信息不对称、保险人居于弱势 China’s commercial medical insurance is facing a good opportunity for development. With the reform and improvement of China’s medical system, the market demand for medical insurance increases. Commercial medical insurance and social medical insurance are becoming an important part of China’s medical insurance system. Commercial medical insurance, in particular, is playing an increasingly important role in meeting the people’s growing health security needs and promoting national economic development and social stability. Because of the asymmetric information in the medical insurance market, the insurer is in a disadvantaged position