健康发展与政策研究2025，Vol.28Issue(4)：386-392,7.DOI:10.12458/HDPR.202407091
我国带病体健康险设计逻辑、发展困境与优化策略
Design logic,development challenges,and optimization strategies of health insurance for people with pre-existing conditions in China
摘要
Abstract
Under the Healthy China Strategy,the rapid aging of the population and the rising prevalence of chronic diseases have made the development of health security systems for individuals with pre-existing conditions a critical issue.This article explores the necessity of advancing pre-existing condition insurance by reviewing existing practices and research.It delineates the design logic of pre-existing insurance across four aspects:positioning,development foundation,risk control,and policy support,highlighting the necessity and feasibility of applying inclusive insurance principles and models.The paper identifies key challenges hindering the development of pre-existing condition insurance,including product availability,data accessibility,industry integration and policy support.It is recommended to optimize the development strategy of pre-existing condition insurance by encouraging product innovation and increasing supply,promoting data sharing and deeper integration between health insurance and the medical/healthcare sectors,leveraging technology to reduce operational costs,strengthening policy support,and elevating social recognition.关键词
带病体健康险/医疗保障体系/健康管理/产业融合Key words
pre-existing condition insurance/medical security system/health management/industrial integration分类
医药卫生引用本文复制引用
马振涛,林琛,郎堃..我国带病体健康险设计逻辑、发展困境与优化策略[J].健康发展与政策研究,2025,28(4):386-392,7.基金项目
国家社科基金一般项目(22BGL269) （22BGL269）
