中国商业医疗保险市场规模将大幅飙升

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.

一份报告显示，在新兴中产阶级迅速增长的需求的推动下，到2020年，中国商业医疗保险市场规模将增长五倍至1.1万亿元。

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.

波士顿咨询公司和慕尼黑再保险联合编纂的报告显示，由于富裕国人寻求公共医保系统的替代方案，2010年以来，商业医保以36%的复合年增长率持续增长，截至2015年，其规模已达2410亿元。

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.

报销型医保预计将成为商业医保增长最快的品类。与许多国人目前购买的重大疾病保险相比，此类保险产品的保费较高，但灵活性也更强。

"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.

波士顿咨询公司北京办公室的合伙人、该报告的作者之一的罗英解释称：“报销型商业医保在中国是非常有意义的。因为成本问题，目前还没有一个大规模的市场。但是这其中有很大的利益，我们预计在未来几年内会看到许多新产品。”

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.

该研究显示，目前最有可能购买报销型医保的客户群为35至55岁、已婚已育且家庭年收入20万元以上的消费者。

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，中国各地的此类人群预计将突破4000万人；他们中最富裕的人群每年愿意支付30000至60000元为一家三口购买报销型商业医保。

"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大中华区主席黄培杰表示：“目前，报销型商业医保大多以团体保险的形式销售，个人购买者为数甚少。由于市场规模不足，中国各地的专业报销型保险商往往难以从中获利；但局面很快将转变。”