摘要：近年来，随着我国社会保障制度改革的逐步深入，人们逐渐认识到健康保险的重要作用。因为城镇员工基本医疗保障制度当前只能供给最低的保障，一定需要商业健康保险作为一种增补，因此使得商业健康保险有了广大的发展前景。目前高昂的医疗费是民众看病难的主要原由，各地的工伤事故愈来愈多也是其中一个原因。另一方面，公众对保险的认识与公共教育和提高保险知识越来越深入，人民生活水平的日益提高。在这种环境下，健康保险的保险消费  需求快速增长。与此同时国内健康保险的发展速度远远落后于这样一个庞大的需求的增长，也远远比不上其他类型的保险产品。目前市场上只有很少的几个专业健康保险公司进行健康保险的业务，当前的这些专业健康保险公司在市场上的境况也远比不上寿险公司。本文就是要根据国内市场对健康保险的需求与国内经营健康保险存在的问题等，分析专业健康保险公司发展健康保险的优势与对策。

关键词：健康保险  专业化  需求  优势分析  对策

Abstract：In recent years, because of our country social security system reform gradually thorough, the health insurance 's important role gradually been recognized.Because the current urban employee basic medical security system can only supply the lowest guarantee, need certain commercial health insurance as a supplement, thus made the commercial health insurance have broad prospects for development. Current medical expense has become the main motivations of public medical care, medical facility, at the same time around the industrial injury accident is becoming more and more frequent; On the other hand, the public awareness of insurance and public education and improve the insurance knowledge more and more thorough, the people's living standard is increasing day by day. In such an environment, health insurance, insurance consumption demand is growing rapidly. At the same time, the development of the domestic health insurance rate is far behind the pace of such a huge demand, also can't compare with other insurance products. On the market at present only a few specialized health insurance company for insurance business, professional health insurance companies and the current operating conditions are far less on the market of life insurance companies. This article is based on the domestic market demand for health insurance and the problems existing in the domestic business health insurance professional health insurance companies to analyze the development superiority and the countermeasures of health insurance.

Keywords:health insurance  professional  demand  advantage analysis  countermeasures