近来,国务院连续出台相关文件,明确“鼓励保险公司大力开发各类医疗、疾病保险和失能收入损失保险等商业健康保险产品”;要求“加大政府购买服务力度,引入竞争机制,支持商业保险机构参与各类医保经办服务”。大众普遍认为,发展商业健康保险有利于提高全民的健康保障水平;但也有人担心,商业保险机构追求利润最大化,容易导致贫穷和生病的人得不到应有的健康保障。笔者认为,这种担心不无道 Recently, the State Council issued relevant documents in a row, clearly “encouraging insurance companies to vigorously develop commercial health insurance products such as medical insurance, disability insurance and loss-of-income loss insurance,” “demanding that governments should increase their efforts in purchasing services and introduce competition mechanisms, Support commercial insurance agencies involved in various types of medical insurance services. ” It is generally accepted by the general public that the development of commercial health insurance will help to raise the level of health protection for all. However, there are also concerns that commercial insurance agencies may seek to maximize profits and easily lead to poverty and sickness without proper health protection. The author believes that this worry is not without Road