摘要: 在全球疫情不断加速蔓延的态势下，我国进入了疫情防控常态化。商业健康险行业在疫情初期得到快速发展，但是在疫情常态化下，其增长速度渐渐回落。疫情常态化下，商业健康保险存在的问题主要存在，线下理赔效率低、线上服务不充分；保险个性化产品少；保险产品质量有待提高；重大疾病保险产品费用高；商业健康保险没有充分发挥在医疗保障体系中“第三支柱”的作用等。论文提出的建议包括保险公司在健康险方面建立“健康管理 + 医疗 + 保险”的服务体系；保险公司丰富产品的种类、提高产品质量；政府建立医保 + 商业保险试点，充分发挥商业保险社会“稳定器”作用等。

Abstract: As the global epidemic continues to accelerate, China has normalized its epidemic prevention and control. The commercial health insurance industry developed rapidly in the early stage of the epi-demic, but its growth rate gradually slowed down under the normalization of the epidemic. Under the normal situation of the epidemic, the main problems existing in commercial health insurance are low efficiency of offline claims settlement and inadequate online services. Less personalized in-surance products; the quality of insurance products needs to be improved; the cost of serious dis-ease insurance products is high; commercial health insurance has not fully played the role of the “third pillar” in the medical security system. The suggestions put forward in this paper include the establishment of “health management + medical + insurance” service system in health insurance; insurance companies diversify product categories and improve product quality; the government has set up trials of medical insurance plus commercial insurance to give full play to the role of commercial insurance as a social stabilizer.