Abstract
Objective: The paper studies the countermeasures for the sustainable development of inclusive health insurance. Methods: Under the Backgroundof “Demonstration Zone for Common Prosperity” Construction, this paper deeply analyzes the product characteristics, challenges, and problems of Tianyi Yongning Bao taking Ningbo City as an example, and puts forward suggestions for future development. Resultsand Conclusion: Currently, Tianyi Yongning Insurance is facing challenges mainly due to the high risk of "adverse selection" and the insufficient attractiveness of the product. Specific issues are complex compensation rules, unclear product positioning, lack of incentive mechanisms, low payment efficiency, and unclear responsibilities of government and enterprises. Suggestions: Tianyi Yongning Insurance should return to a certain market attribute while leveraging its inclusive function, which can be achieved through implementing product liability grading, perfecting compensation rules, improving incentive measures, innovating payment methods, reasonably allocating responsibilities between government and enterprises, optimizing product risk control mechanisms, to effectively improve attractiveness of the product.
Key words
inclusive health insurance /
city-customized commercial health insurance /
Tianyi Yongning Insurance /
demonstration zone for common prosperity
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Research on the Development Path of Inclusive Health Insurance Under the Background of "Demonstration Zone for Common Prosperity" Construction——Taking Tianyi Yongning Insurance as an Example[J]. China Health Insurance. 2025, 0(4): 113-119 https://doi.org/10.19546/j.issn.1674-3830.2025.4.015
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