摘要：目前我国居民享有的医疗保障体系尚不健全，商业健康保险作为人身保险产品的一个重要组成部分，在完善寿险体系的同时，还对促进我国医疗保障制度的完善、满足居民医疗服务需求有着重要作用。近些年，国家从注重民生的角度逐步加大对医疗保险的重视，这也为商业健康保险的发展带来了新的契机，但是，该险种在我国还存在产品同质化严重、专业程度低等诸多问题。本文从我国商业健康保险发展的历程和现状入手，从政府、保险公司和投保人三方主体分析了现存问题后，提出了相应的完善对策，希望促进中国商业健康保险的发展提供一些参考。

关键词    商业健康保险，问题，对策

ABSTRACT：At present,the health-care system for Chinese resident is unsound,as an important component of personal insurance product, commercial health insurance plays an important role in the improvement of health care insurance system in China and for meeting the resident' demands for medical service.In recent years,China attaches great importance to the medical insurance from the perspective of people's livelihood,which provides a new opportunity for the development of commercial health insurance. However,there are many problems exist in this insurance,such as serious homogenization and low degree of 

specialization. In the paper,it studies this subject from the development history and current situation of China's commercial heath insurance and analyzes the existing problems from three main bodies as the government,the insurance company and the applicant,it proposes the corresponded countermeasures for solving these problems and wish to provide some references for the development of commercial health insurance in China.

Key Words:  Commercial health insurance  Problems  Solutions