From the macro - aspect , the commercial medical insurance is just started in china , but with the improvement of the market and the support of our government policies the commercial health insurance face the good opportunity to develop . it has enormous potential market as well . from the micro - aspect , the mount of commercial health insurance products are great , but the liability covers are not enough . insurers can not effectively control the risk , which leads to the higher payment . further more , the entries of foreign insurance companies because of wto enlarge the competition . the potential demanding of health insurance is plenty , but the virtual demanding is lack . all of this indicates that every participator need more improvement to advance the commercial health insurance market 从宏观层面来看,我国的商业健康保险起步较晚,尚处于起步阶段,但随着市场的不断完善、国家政策的鼓励和支持,也面临着难得的发展机遇,市场潜力巨大。从微观层面来看,在市场供给方面,商业健康保险的产品数量较多,种类却比较单一,保险公司风险管控能力薄弱,赔付率居高不下,我国加入wto后,由于外资保险公司的进入,行业竞争加剧;在市场需求方面人们对健康保险潜在需求较大,但有效需求不足。因而各市场参与主体还需逐渐成熟以促进健康保险市场的进一步发展。
