China's relevant departments have successively issued multiple policies to actively support the development of commercial health insurance, but its supplementary role in China's multi-level medical security system still needs to be improved. In recent years, inclusive city-customized commercial medical insurance (customized insurance) has been continuously developing, further improving the medical security level of insured people, but at the same time, it also faces the "death spiral" risk in the insurance field. The participation rate of customized insurance in Zhuhai City has remained stable at around 48%, and the insurance content has extended to areas such as "early detection and treatment" of major diseases. Its core mechanism stems from the non-profit operation model of government and business cooperation. This article believes that the future development direction of commercial health insurance is to develop customized insurance, clearly distinguish its functional positioning from traditional commercial health insurance, formulate separate development strategies, innovate health management, and implement managed healthcare.
Key words
commercial health insurance /
inclusive insurance /
non-profit insurance /
managed healthcare
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