The city-customized commercial health insurance (huimin insurance) with the feature of inclusiveness and commerciality is an innovation of commercial health insurance, which is guided by government, underwritten by insurance companies and supported by multiple service providers. This paper studies the implementation of huimin insurance in 11 cities in Zhejiang Province and finds that the participation rate of humin insurance in Zhejiang Province is relatively high, government support is strong, and the product design is relatively perfect. Based on the sustainability of policy, insurance participation, fund, and operation and management, this article analyzes the challenges in the sustainable development of humin insurance and proposes countermeasures and suggestions.
Key words
huimin insurance /
sustainable development /
product design /
institutional orientation
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