【摘要】 社会保险是解决退休、养老、医疗问题的主要途径,但面临资金不足、保障力度低、覆盖面不够和限制条件多的问题。商业健康保险作为现代金融业的重要组成部分和新兴专业领域,能够发挥经济补偿、社会管理、健康管理以及支付方等功能。提高群众的养老、医疗保障和健康水平,在推进国家治理体系和治理能力现代化方面具有重要作用。必须大力发展与人身保障相关的保险品种。除了传统的人身保险外,还应发展现代人身保险。更多还原

【Abstract】 Social insurance is the main way to solve the problems of retirement, elderly-care and medical treatment. But it faces the problems of insufficient funds, low-level guarantee, insufficient coverage and many limited conditions. As an important part of the modern financial industry and a newly-emerging field, the commercial health insurance has the functions of economic compensation, social management, health management and payer, so as to enhance the people’s elderly-care, medical care and health, and has an important role in promoting the modernization of national governance system and governance ability. It’s needed to develop the insurance related to personal security. In addition to the traditional life insurance, it’s needed to develop modern life insurance.更多还原