中(zhong)證網訊（記者 歐陽劍(jian)環）記者3月17日從銀(yin)保監會獲悉，近年(nian)來，我國商業健(jian)康(kang)保險快速發展，產品種類(lei)日漸豐富(fu)，服務范圍不斷拓展。

　　健(jian)(jian)康(kang)保(bao)(bao)險(xian)(xian)(xian)產品包(bao)括疾病保(bao)(bao)險(xian)(xian)(xian)、醫(yi)療保(bao)(bao)險(xian)(xian)(xian)、醫(yi)療意外(wai)保(bao)(bao)險(xian)(xian)(xian)、護理(li)(li)保(bao)(bao)險(xian)(xian)(xian)和(he)失(shi)能收入損失(shi)保(bao)(bao)險(xian)(xian)(xian)5大(da)類。銀保(bao)(bao)監會數據顯示，2021年，健(jian)(jian)康(kang)保(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)費收入8803.6億(yi)元，同比(bi)增長(chang)(chang)(chang)7.7%，賠付(fu)支出4085.3億(yi)元，同比(bi)增長(chang)(chang)(chang)39.9%，并為參(can)保(bao)(bao)人(ren)積(ji)(ji)累(lei)(lei)了(le)1.3萬(wan)億(yi)元的(de)長(chang)(chang)(chang)期(qi)健(jian)(jian)康(kang)險(xian)(xian)(xian)風險(xian)(xian)(xian)準備金，在滿足人(ren)民群(qun)(qun)眾(zhong)多(duo)(duo)層次(ci)、多(duo)(duo)樣化的(de)健(jian)(jian)康(kang)保(bao)(bao)障(zhang)需求方面發(fa)揮了(le)積(ji)(ji)極作用。此外(wai)，保(bao)(bao)險(xian)(xian)(xian)業(ye)還積(ji)(ji)極承(cheng)辦城鄉居民大(da)病保(bao)(bao)險(xian)(xian)(xian)，覆蓋(gai)12.2億(yi)城鄉群(qun)(qun)眾(zhong)，累(lei)(lei)計賠付(fu)超(chao)過(guo)6千萬(wan)人(ren)次(ci)，參(can)保(bao)(bao)群(qun)(qun)眾(zhong)大(da)病報(bao)銷比(bi)例(li)提高了(le)10-15個百分點(dian)；積(ji)(ji)極參(can)與長(chang)(chang)(chang)期(qi)護理(li)(li)保(bao)(bao)險(xian)(xian)(xian)制度(du)試(shi)點(dian)。絕大(da)多(duo)(duo)數國家級試(shi)點(dian)項目和(he)地(di)方自主(zhu)試(shi)點(dian)項目均由(you)商業(ye)保(bao)(bao)險(xian)(xian)(xian)公司參(can)與服(fu)務(wu)，覆蓋(gai)人(ren)口累(lei)(lei)計超(chao)過(guo)1億(yi)，為超(chao)過(guo)70萬(wan)失(shi)能老人(ren)提供了(le)長(chang)(chang)(chang)期(qi)護理(li)(li)服(fu)務(wu)保(bao)(bao)障(zhang)。

　　2021年(nian)，銀(yin)(yin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)監會(hui)(hui)(hui)深化商業(ye)(ye)健(jian)康(kang)(kang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)領域改革，落實《健(jian)康(kang)(kang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)辦(ban)(ban)(ban)(ban)法(fa)》配(pei)套制(zhi)(zhi)度(du)(du)，修訂完善健(jian)康(kang)(kang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)政策(ce)和制(zhi)(zhi)度(du)(du)。一是(shi)(shi)(shi)完善大病(bing)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)監管(guan)(guan)(guan)(guan)制(zhi)(zhi)度(du)(du)。印(yin)(yin)發《中國銀(yin)(yin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)監會(hui)(hui)(hui)關于(yu)印(yin)(yin)發保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)城鄉居民(min)大病(bing)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)管(guan)(guan)(guan)(guan)理(li)(li)辦(ban)(ban)(ban)(ban)法(fa)的(de)通(tong)知》，將以(yi)往大病(bing)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)五項(xiang)制(zhi)(zhi)度(du)(du)進行了(le)整合，形成了(le)一個監管(guan)(guan)(guan)(guan)制(zhi)(zhi)度(du)(du)。二是(shi)(shi)(shi)制(zhi)(zhi)定長期(qi)(qi)護(hu)理(li)(li)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)制(zhi)(zhi)度(du)(du)試點(dian)服(fu)務(wu)工(gong)作規范。印(yin)(yin)發《中國銀(yin)(yin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)監會(hui)(hui)(hui)辦(ban)(ban)(ban)(ban)公(gong)(gong)(gong)(gong)廳(ting)關于(yu)規范保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)參(can)與(yu)長期(qi)(qi)護(hu)理(li)(li)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)制(zhi)(zhi)度(du)(du)試點(dian)服(fu)務(wu)的(de)通(tong)知》，對保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)參(can)與(yu)長期(qi)(qi)護(hu)理(li)(li)試點(dian)需要(yao)的(de)專業(ye)(ye)服(fu)務(wu)能力(li)、項(xiang)目投(tou)標管(guan)(guan)(guan)(guan)理(li)(li)、經營(ying)風(feng)險(xian)(xian)管(guan)(guan)(guan)(guan)控、信息系統建設(she)、護(hu)理(li)(li)機構管(guan)(guan)(guan)(guan)理(li)(li)等方面提出(chu)明確要(yao)求。三是(shi)(shi)(shi)出(chu)臺城市(shi)定制(zhi)(zhi)型商業(ye)(ye)醫療保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)監管(guan)(guan)(guan)(guan)制(zhi)(zhi)度(du)(du)。印(yin)(yin)發《中國銀(yin)(yin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)監會(hui)(hui)(hui)辦(ban)(ban)(ban)(ban)公(gong)(gong)(gong)(gong)廳(ting)關于(yu)規范保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)城市(shi)定制(zhi)(zhi)型商業(ye)(ye)醫療保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)的(de)通(tong)知》，鼓勵(li)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)行業(ye)(ye)積極(ji)參(can)與(yu)多(duo)層次醫療保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障體(ti)系建設(she)，有效(xiao)發揮市(shi)場機制(zhi)(zhi)作用(yong)。四是(shi)(shi)(shi)持續(xu)規范短(duan)期(qi)(qi)健(jian)康(kang)(kang)險(xian)(xian)業(ye)(ye)務(wu)。印(yin)(yin)發《中國銀(yin)(yin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)監會(hui)(hui)(hui)辦(ban)(ban)(ban)(ban)公(gong)(gong)(gong)(gong)廳(ting)關于(yu)做(zuo)(zuo)好短(duan)期(qi)(qi)健(jian)康(kang)(kang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)客(ke)戶(hu)服(fu)務(wu)工(gong)作的(de)通(tong)知》，就(jiu)短(duan)期(qi)(qi)健(jian)康(kang)(kang)險(xian)(xian)條款表述(shu)、客(ke)戶(hu)服(fu)務(wu)等工(gong)作做(zuo)(zuo)進一步明確，指(zhi)導各(ge)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)做(zuo)(zuo)好產品轉(zhuan)換、客(ke)戶(hu)溝通(tong)、投(tou)訴處理(li)(li)等工(gong)作，確保(bao)(bao)(bao)(bao)(bao)(bao)(bao)短(duan)期(qi)(qi)健(jian)康(kang)(kang)險(xian)(xian)業(ye)(ye)務(wu)平穩有序(xu)切換。

　　銀保監會稱，下一(yi)步(bu)將進(jin)一(yi)步(bu)完善商(shang)業健(jian)康(kang)保險(xian)(xian)制(zhi)度體系。一(yi)是(shi)深入(ru)研(yan)究擴大稅(shui)優健(jian)康(kang)保險(xian)(xian)產品范圍(wei)問題，用足用好商(shang)業健(jian)康(kang)保險(xian)(xian)個(ge)人(ren)所(suo)得稅(shui)政(zheng)策。二是(shi)探索壽(shou)險(xian)(xian)賠付責任與護(hu)理支付轉換機制(zhi)，鼓勵(li)商(shang)業長期護(hu)理保險(xian)(xian)發展(zhan)。三是(shi)會同有(you)關(guan)部門加強(qiang)對城市定制(zhi)型醫(yi)療保險(xian)(xian)業務的研(yan)究，加強(qiang)追蹤和(he)回溯，為(wei)進(jin)一(yi)步(bu)出臺規范提供(gong)依據。