Since 2020, inclusive commercial medical insurance products have gained lots of attention with the advantages of low threshold, low premium and high coverage. This article classifies inclusive commercial medical insurance into government-led, government-directed, and government-supported models based on differences in the degree of government involvement, and systematically examines their representative products in the context of local practices, concluding that products with different degrees of government involvement to some extent differ in terms of Inclusiveness. Based on this, this article combines the experience of Taiwan Province of China, the United States and Singapore in improving the Inclusiveness of commercial medical insurance, and further proposes to make up for the shortcomings of policies, offer active government guidance and support fine operation of insurance companies.
Key words
inclusive commercial medical insurance /
the multi-level healthcare security system /
operation mode
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