私人醫療保險成中國衆多企業投資熱點
Gaming firms, real-estate companies and drug makers in China are chasing what they hope will be the country's next hot commodity: private health insurance.
我國的遊戲、地產和製藥公司正競相介入私人醫療保險領域，他們期望私人醫療保險將成爲國內下一個熱門商品。At least 29 publicly traded Chinese companies have announced plans to invest in commercial insurance businesses since 2015.
2015年以來，國內至少有29家上市公司已經宣佈要向商業保險企業投資的計劃。Health insurance is an area where affluent Chinese families are ramping up spending.
醫療保險是中國富裕家庭正在增加支出的一個領域。
The China Insurance Regulatory Commission estimates that premium income for private health insurers jumped by 94% in the first seven months this year.
據中國保監會估計，今年前7個月，私人醫療保險公司的保費收入飆升了94%。That topped the last year's already substantial 52% surge, fueled by policy incentives and China's rising prevalence of chronic conditions like heart disease.
而且這是建立在去年已然大增52%這個基礎之上的，是政策激勵和心臟病等慢性疾病患病率在中國不斷上升的結果。
"The growth is sustainable because all the drivers will continue to be there, especially the demand for health care services," said Luo Ying, partner and managing director at consultancy Boston Consulting Group.
波士頓諮詢公司的合夥人兼董事總經理羅英表示：“這一增長是可持續的，因爲其背後的所有推動因素都會存續下去，特別是對醫療服務的需求。”In an August report, BCG and insurer Munich Re estimated that the market measured by premium income will more than quadruple from 240 billion yuan ($36 billion) last year to 1.1 trillion yuan by 2020.
在8月份的一份報告中，波士頓諮詢與慕尼黑再保險估計，到2020年，中國商業醫療保險市場規模將從2015年的2,400億元人民幣（360億美元），增長逾三倍至1.1萬億元。Burdened by the rising cost of its vast public health system, China has for years sought to encourage private company entrants.
受龐大公共醫療系統的成本上升所累，中國多年來都尋求鼓勵民營企業進入這個領域。Those efforts gained a substantial boost recently from a 31-city trial program, which provided an income tax exemption on insurance premium payments, albeit for only up to 2,400 yuan a year.
覆蓋31個城市的商業健康保險個人所得稅試點項目，儘管每年個稅稅前扣除金額只限2400元，最近仍然顯著提振了商業醫療保險市場。Companies venturing into health insurance range from drug manufacturer Kangmei Pharmaceutical Co and physical check-up chain Meinian Onehealth Healthcare Holdings Co to even property developer Suning Universal Co and Dalian Zeus Entertainment Group Co, which develops online games.
進軍醫療保險領域的公司既有製藥商康美藥業，也有體檢連鎖機構美年大健康，甚至還有地產開發商蘇寧環球集團和開發網絡遊戲的大連宙斯娛樂集團。
