中國商業醫療保險市場規模將大幅飆升

China's private health insurance market will grow fivefold to RMB1.1 trillion by 2020, fueled by fast-growing demand from the emerging middle class, a report showed.

一份報告顯示，在新興中產階級迅速增長的需求的推動下，到2020年，中國商業醫療保險市場規模將增長五倍至1.1萬億元。

As wealthy Chinese look for alternatives to the public insurance system, private health insurance has been growing at a compound annual growth rate of 36% since 2010 and hit RMB241b as of 2015, according to the report, which was jointly compiled by the Boston Consulting Group and Munich Re.

波士頓諮詢公司和慕尼黑再保險聯合編纂的報告顯示，由於富裕國人尋求公共醫保系統的替代方案，2010年以來，商業醫保以36%的複合年增長率持續增長，截至2015年，其規模已達2410億元。

The fastest growth in the private health insurance sector is expected to be in reimbursement policies, which are more expensive but more flexible than the critical-illness insurance that many Chinese buy today.

報銷型醫保預計將成爲商業醫保增長最快的品類。與許多國人目前購買的重大疾病保險相比，此類保險產品的保費較高，但靈活性也更強。

"Private reimbursement insurance makes tremendous sense in China. There isn't yet a mass market for it because of the cost. But there is a lot of interest and we expect to see many new products in the next few years," explains Ying Luo, a partner in BCG's Beijing office and a coauthor of the report.

波士頓諮詢公司北京辦公室的合夥人、該報告的作者之一的羅英解釋稱：“報銷型商業醫保在中國是非常有意義的。因爲成本問題，目前還沒有一個大規模的市場。但是這其中有很大的利益，我們預計在未來幾年內會看到許多新產品。”

The study revealed that the most likely purchaser of reimbursement insurance today is aged 35 to 55, married with children, with a minimum annual household income of RMB200,000.

該研究顯示，目前最有可能購買報銷型醫保的客戶羣爲35至55歲、已婚已育且家庭年收入20萬元以上的消費者。

This group is expected to grow to over 40 million Chinese by 2020. The wealthiest consumers in this group would be willing to pay between RMB 30,000 and 60,000 for a reimbursement policy covering a family of three.

到2020年，中國各地的此類人羣預計將突破4000萬人；他們中最富裕的人羣每年願意支付30000至60000元爲一家三口購買報銷型商業醫保。

"Today, private reimbursement policies are generally sold through group insurance. Purchases by individuals are still rare, and pure reimbursement players in China simply haven't been able to make money due to the small size of the market. This is set to change," says John Wong, head of BCG's Greater China practice.

BCG大中華區主席黃培傑表示：“目前，報銷型商業醫保大多以團體保險的形式銷售，個人購買者爲數甚少。由於市場規模不足，中國各地的專業報銷型保險商往往難以從中獲利；但局面很快將轉變。”